I have 3 dogs that I insure with Pets Best. I also purchased the additional coverage for wellness for one of my dogs. While at my yearly checkup to get vaccinations my vet who did a very through exam noticed a lump on my dog. It was negative after a biopsy was completed. I filed a claim for benefits only for the vaccines and visit for them. It took many weeks to get a response. Very slow poor service. Then my claim was not paid properly. Pets best tried to rip me off and say the exam was not covered since it was for a mass. Uh no my policy covered or so it says a wellness exam with vaccines and that is what this was. It just happened that my vet being responsible found the mass. . In looking further Pets Best did not even cover all the vaccines. I have called and discussed. I was told that it will be reviewed and will be several more weeks. I am considering canceling this coverage as this company seems to look for ways not to pay. If I had had the vet bill it separately then there might not have been a question. So beware of this company. They are slow to pay and they seem to look for ways not to pay.