Pets Best has its pros and cons. Pros include having very customizable plan options which vary in price, and having lower costs for insurance compared to its competitors. There are quite a few cons - it can take forever for claims to be reviewed/finalized, they don’t cover a lot of common medications that vet clinics prescribe for basic sick visits (dewormers, ear meds for infections, etc.), and they don’t cover prescription diets for pets who need those. This is likely why their costs are lower than competitors. Also, the mobile app is not user friendly in the slightest - it is impossible to submit a claim on the app (it doesn’t even show my pets on the home screen of the app). I need to log onto their portal on a computer to submit claims. Getting in touch with their customer service team is a nightmare too - their chat never works and there’s no email to reach out to someone; you have to call them and wait on hold for 10 minutes just to speak with someone. Overall, I would still recommend this insurance company for those looking for a lower cost option, as long as you are able to front the vet bills and pay them off before you get any reimbursement. For reference, I have 2 cats and 1 dog under Pets Best, pay $110 per month total, have 70% reimbursement, $250 annual deductible, and no annual limit.