We have the accident/illness insurance only. We have filed numerous claims with Pets Best for both of our dogs for treatment of minor illnesses to potentially catastrophic accidents. With Pets Best, I have never once hesitated to bring my dog to the vet, or to agree to medically necessary treatment due to cost. We must meet a yearly deductible, and we do pay monthly premiums, as well as a copay for each visit. We have saved several hundred dollars over the past two years. With that being said, I am quick to seek help from our vet, and our dogs are very mischievous. If neither situation applies to you, the expense may not be worth it. They do stipulate conditions diagnosed prior to acquiring insurance are not covered. We purchased insurance for our puppies at a very young age, so this has not been an issue for us, but may be for others. Overall, I would recommend pets best insurance to other animal owners with the above caveats.