Claims can take a long time to process (anywhere from 4-6 weeks before you actually get reimbursed). It's a pain to try and qualify for dental coverage when initially setting up your insurance - I'm willing to bet that PetsBest does it this way because they know very few people will be able to meet the requirements within the given timeframe to be eligible. The list of medications that are covered is not as comprehensive as it could be; I've been denied coverage for certain meds not on the list, even though it's just a different brand of something that is on the list.