I have been a Pet's Best client for about 12 years. I have seen premiums increase dramatically during that time, particularly as my dog has aged. I am considering adding a third dog to my account, however when premiums for the three top $800 a month, well, there is need to rethink and look at options. PB does offer a 5% multi dog discount, but I think they should do better than that. Another consideration is the length of time it takes to receive reimbursement for covered expenses. And consider that PB will not pay for expenses if there is a vaccine available. Lepto for instance. The vaccine covers only 5/20+ strains. If your dog isn't vaccinated, tough luck.