Hi! I ended up with Pets Best. For the first year it’s worth having the emergency + normal maintenance coverage since they needs tons of shots & such in the first 12 months. Then you can drop the maintenance coverage and just keep emergency. They reimburse me directly to my bank account so its nice and easy. I didn’t meet Charlie before we picked her up but I did get tons of updates via photos and phonecalls when I requested them. We met her the day we paid for her and brought her home.