Although representives are courteous and helpful, they really have their hands tied to corporate rules when a resolution to an issue is requested. Payment timing remains extremely slow. Pets Best has provided insurance for my pets for more than five years. I am considering changing to another company. For the money I pay for coverage, the highest limits in every category, the returns are extremely frustrating to wait for and the restrictions for some claims limit the amount,if any, return that I receive. I live on social security and insurance really cuts into my income. If I didn't love my pets so much the aggrevation would not be worth the cost.