More like Pets Worst Health Insurance. They promote that if your dog needs knee surgeries, they cover it. Except, when my dog needed knee surgery, they couldn't tell me what would or wouldn't be covered until they could review the invoice. So I had to pay for the whole thing up front not knowing if or what would be covered, only to find out they wouldn't cover it because of a 'pre-existing condition' because he had a couple weeks of lameness 2 years before the surgery. They didn't cover a single penny of a $5k surgery. Then, my dog needed a second surgery on the other knee, and it was the exact same story, couldn't tell me what would be covered till after they reviewed the invoice. Then they didn't cover a single penny on other knee surgery, also claiming 'pre-existing condition' and when I pushed back, they cited that the pre-existing condition was that he had surgery on the other knee... . I don't know about you, but I had ACL reconstruction on my right knee... does that mean that some day I'll need one on my left? Ridiculous. My vet also thought this was ridiculous that none of it was covered and wrote in a personal letter about how it was not a pre-existing condition and should have been covered. My biggest regret in my pets care was choosing Pets Best. I have paid thousands to them over the years I have been a customer only to have had to cover two major injuries 100% out of pocket totalling over $11,000 dollars. It's rare that they cover even the things they say they will. And now I feel stuck with them because my dog is 9 and it feels too late to switch to another insurance carrier. Save yourself a boat load of money and either set the money aside you would pay these folks and self insure, or find another provider.