Terrible experience with Pets Best (Pets Worst). Be aware that they take a month or more to pay on regular claims. Secondly, I have pet insurance for the large expenses, so I carry a large deductible. In my case, twice they have denied large claims, after paying consistently for the minor treatment of the condition. When it came time for surgery in both of these cases, they denied the claims forcing me to go through a lengthy appeal process (90 Days). They will look for any reason to deny coverage and in my first case the denial was overturned by a 3rd party and I am in the same process for the second large claim. Do yourself a favor and avoid Pets Best!