Pets Best is a Scam, avoid it like a plague. After 2+ years of being a customer with 3 dogs and paying $235/mo for them (over $6000 during that period, all I was ever able to get reimbursed for was $41. Everything else they declined to cover. And that was after months back and forth with their claims department submitting ALL the forms from my Vet that they requested. Stupid me that took me so long to cancel my account - that's on me. But if you want health insurance for your pet, Pets Best is a scam, and you should go somewhere else. Hope this helps somebody.. Ricardo F.