I have had Pets Best Insurance for my two-year-old Shih Tzu/Maltese mix for the last year and a half. I absolutely love that it covers exam fees if I take my dog for being sick so I can feel good about taking her and have the ease of mind that her visit will be covered. The only reason I wouldn't give it a "very good" rating is that I think some improvements can be made for continuous policy holders. There are no incentives or discounts for continuous policy holders, ie. no discount for continuing to be a member year after year. I also have the Essential Wellness plan, however it is not as beneficial after the first year for a few reasons. The wellness plan includes reimbursement for microchipping, but pets are only microchipped once. Also, Rabies is reimbursed yearly, but my dog only gets a rabies shot every three years now.