My claims sat in No Pay Land for 45 days…(the nice 1st rep we talked to had never seen this before) even though the Vet requested docs were sent within 24 hours to PB. I rescued my dog @ 6yo, had no way of knowing what if any issues existed. He had severe dental disease when we got to our vet during Covid, so severe that fur and food was getting stuck around the decayed roots and under the gums. He needed extensive intervention. Guess what? Not covered. “Owner has a responsibility to have pet evaluated in the 13 months prior to claim. Owner is responsible for preventative dental care”. I explained this to a representative prior to the Claim department massacre of the claim. That we rescued him…They also refused to cover a preop visit with blood work (he never had any that we know of in 6 years before he became our family member). Run. Don’t walk, away from Pets Best.