I feel pets best looks for any reason not to process a claim then when they finally choose to address the claim they use tactics to maneuver around paying what they promised when you took out the insurance policy. I've taken out the best possible policy they offer for sick and well care and when my dog was neutered rather than cover all the medicine needed during and after the surgery pets best simply paid a portion of the actual charge for the Neuter portion of the bill and said all the other medicine charges were part of the neuter. That is just under handed double talk that is used in the insurance business not to have to pay the policy holder. Just another insurance company nothing special about them.