I had a terrible experience with Pets Best, sadly. I signed up shortly before my new puppy's neutering. He had experienced some itchiness prior to surgery so during surgery they gave him a shot that is used for allergies. They denied the whole neutering claim based on that shot. I had to appeal it 2-3 times for months before it was finally paid. They denied two other claims, one was an ear infection, for the same reason. He was NEVER diagnosed with allergies but experienced a rash so they would never cover anything and said he had allergies. Even if he did, an ear infection was unrelated. We thought he had something IN his hear but it turned out to be an infection. They denied it. SO frustrating to have insurance for a new puppy, less than a year old, and have nothing covered. I've cancelled them and am very, very unhappy that I chose them in the beginning because I feel like it's going to be harder to get insurance now that they've said he has allergies, which was never diagnosed. And why isn't an allergy covered??? Their agents were nice to speak with but didn't do what they said they would do. I had to call several times. Out of about $1100 out of pocket, they covered maybe $220.