I have never had pet insurance until now. I did a lot of research with a lot of different companies and Pets Best had the best prices with the most coverage. When I called for the very first time to get my coverage started I talked to a very nice lady I wish I could remember her name but she really helped me out and since I am on a fixed income she was able to get me the best insurance for my dog that covers the most with as little monthly payment as possible. Because my dog is a Bernedoodle puppy, I also chose to get the Wellness Plan in addition to the Accident and iIllness because I had a schedule coming up for my dog to get spayed. This company makes it easy to submit your documents and then get back with you in a timely manner and I got reimbursed for my puppy Bella's Spay procedure within 4 days. I would definitely recommend this company to anybody I know. It will put your mind at ease. Ty!