Our puppy has been incredibly healthy, so we have barely used our coverage. Not complaining about that. For wellness care coverage Pets Best usually doesn't agree with our vets' charges even though our clinic is known to be fairly priced. After his neuter the claim report was hard to understand. It was broken down into components of the procedure, those denied all had the same comment. Comment claimed we had already reached our limit for that category, but we had no previous claims. Reimbursement took about two weeks. I know if we needed insurance for serious problems, we would be glad we had it. We will continue for our protection.