I have used Pets Best for many years. I was extremely pleased with the cost and service of our first Westie which is deceased. We now have a new Westie which we insured through Pets Best when we brought him home from the breeder 5 years ago. It is very disappointing to watch as our premium has gone from $54 to $94 in those 5 years. the approved coverage of our $500 wellness bill payment came to $200. I understand it is a pet insurance company and they are also in the business of making money but do the math. $94 x 12 = 1128 and add the $100 annual deductible. To add to our frustration it took a month and a half to process a claim for our dog's Kennel Cough exam and treatment just a month before his wellness exam. Our cost $140, not covered $6, $100 deductible, and 3$ copay. our refund $30. I think I will need to check into some pet insurance which is a little more affordable and possibly just insure for major illness/injury and cover the wellness out of pocket. Sad to see a once excellent insurance company start to go downhill.