In my experience, this insurance is really only good for major accidents and illnesses with ongoing treatment. The wellness plan is also only good for newer dogs or in years where dogs need multiple vaccinations or medications. I was also disappointed to find out after we adopted our dog that he had a medical condition insurance would not cover because it was preexisting, something we were not made aware of. After my most recent claim and with the knowledge that the cost will be going up next year, I will be shopping around for another plan that offers better coverage for the price. Again, if a dog is in need of extensive and/or ongoing medical care, I'm sure Pets Best would be a great option. But after 2 years as a customer, I'm very disappointed and ready to look elsewhere.