I'll make this short and sweet. This was the first time I've had to use my pet insurance for anything significant. My 9-year-old dog had a tumor in his leg; I took him in to get surgery, paid over $900, and submitted all of the required documentation. Pets Best (it's hard not to laugh now at them calling themselves that). They took over two months to give me my "explanation of benefits" EOB, which told me they weren't covering anything. Awesome. I'm so glad that I've been paying monthly for absolutely NOTHING! Needless to say, I would have been better off saving their monthly fees. I would STRONGLY NOT RECOMMEND.