Pets Best has great coverage and rates. I love that they offer a wellness plan along with illness/accident coverage that covers a certain amount of routine things for your pet such as flea medicine and vaccines. The claims process is very easy and I have never had an issue with submitting a claim or having it being processed. Some claims take longer to process than others; I've only done one illness claim and that took about a month to be fully processed. But I have the wellness plan with my pets as well and those claims are processed within 2 weeks. They also offer direct deposit which is so convenient! If you have never had pet insurance just know that all claims are reimbursements; you still have to pay your veterinarian up front for the costs of any services or procedures (unless you have a different arrangement with your vet).