I have 3 dogs - 2 are on Nationwide and the newest member of our family on Pets Best - thought I would give someone else a try for different reasons pertaining to coverage. We have not had a whole lot of use for the coverage yet as she is just 1 but I just think it takes them way too long to process a claim. More than 4 weeks on both claims I have had to submit. With our other coverage I submitted a claim for my dog having surgery on Thursday and the reimbursement was in my account on Monday. Pets Best just sends e-mails apologizing for the delay. I am not sure why it takes them so long to process a claim and they were not any big giant claims - one was for a UTI. Very glad it was not for a large sum of money I was waiting on reimbursement for.