I was scared when I chose an insurance reading all the bad reviews and the deny of claims. So choosing one was scary since you know you will find out only once your pet get sick, after there’s a pre existing condition it’s too late. Basically you have to stick to your insurance. I did choose pets best with no big hopes. Unfortunately my cat started to cough out of nowhere so we went to the vet, I didn’t think the insurance would help me with that. I expected my claim denied for false reasons but they didn’t ! My cat has asthma now, and they accepted my claim and reimbursed parts of the bill. I’m very happy with pets best and I recommend this one to everyone and take an insurance while your pet is healthy, I really thought I would never have to use it, I took it it just in case but unfortunately it happened way earlier than I thought.