it various by person i use LiveAquaria personally for CUC as they do a pretty good job at the details of their fish plus they are a very good DOA policy plus i think the policy last a few days in as well.I'm in Jersey, but funny enough, closest good one is about 40 minutes away. I can definitely take the trip up there to grab some hermits, snails, and a FC. If you shop online for them, what site do you use?
Edit- they have a 7 day arrive live policy which is far better then most.