I have been a member since 2016 and have 14 rescue cats insured paying approximately $7434.99. The service over the past 18 months has severely declined, the time to get reimbursed takes much longer, items that once was covered will come back unpaid for one reason or another and i have changed nothing on the policy's. I have unlimited on the coverage and my most recent denial of payment/coverage was i took Loki our newest member in to be neutered, microchipped, total cost $536.00 PETS BEST paid $260.00 and claimed $276.00 not covered. The reason given was "the annual maximum wellness amount for these wellness services has been paid for this policy term"...HOW IS THIS WHEN NOTHING HAS BEEN PAID OUT ON LOKI PLUS HOW MANY TIMES DOES ONE CAT GET NEUTERED? i submitted invoice for payment on 4-2-21 and followed up on 6-20-21 and on 7-8-21 and still have had no response back. if looking for pet insurance i would highly recommend NOT using PETS BEST.