I have been a customer with Pet's Best since 2009. Both dogs were insured for the highest care at the highest premium. One claim was denied because while at the vet for a new issue I just happened to mention a previous issue that was doing well so the vet had feedback not asking her to examine an old issue. My claim was refused payment on the basis of an a previous issue even though it was never addressed and did not even need it. That to me is dishonest. I was honest. They Pet's Best wiggled out of payment. Same thing next time so I was wise as to not talk about anything that was a pre-existing issue even though it was NOT being treated. Even then I got only 15.00 back on the visit that cost over 100.00. Again they wiggled out of what they advertise. My dog Molly became unable to walk suddenly for no apparent reason. My vet told me to take her to the Emergency Hospital immediately. Now this vet also used to work there as an emergency vet so wouldn't you think he knew what he was advising me to do? She was there 3 days with IV's and very ill. Pet's Best would not pay one cent!!!! They claimed there was noting wrong with my dog. Really? Then why was my dog kept 3 days and put on 3 strong antibiotics? A year later same thing again. She suddenly could not walk and again same scenario ER and IV for 24 hrs. No claim was paid. Pets Best said it wasn't an emergency even though my vet said it was. Who's the doctor? Few weeks ago my other dog took out her own stitches after 12 days of not bothering them and opened up her surgery on her paw. 3:00am we were in ER. I told the ER they probably would not pay and they said,"who brings their dog in to ER at 3 am if it is not an emergency?" this time they 159.00 paid after a 250.00 deductible and a co-pay. The bill was 455.00. When did co-pays come into emergency fees? Since I have kept insurance faithfully for many years on 4 dogs this visit was paid for many times over in premiums through the years. Pet insurance has become a racket. On this dog alone I paid about 800.00 in 7 years and got back 159.00. May God almighty have mercy on their souls when their day of judgement comes. This customer has been totally honest as well as my vets but I can't say this for Pet's Best, who asked me for this feed back.