I really am not sure. I filed my claims and it seems that when I was deciding what insurance company I should acquire, Pet Best seemed to be the best, However, when I actually see what was covered in terms of what I spent on care, I am not so sure. The explanations really made no sense to me and just stated that I had reached my maximum coverage. Since I have only had the puppy since July and she only had routine monthly check ups primarily for her required shots, I can’t see how I hit my maximum coverage 4 months. She is a healthy dog. I have some thinking to do and I intend to explore and compare different companies now that I have experienced Pe Best.