My completely healthy golden retriever had an accident and was stung/bit by something. $1560 later she was feeling better. Pets Best only covered a little over $300 of my $1560 total. I have been paying my premium with Pets Best since my dog was 12 weeks old and she is 3 and a half now. Took weeks just to get a response from Pets Best on my claim and then I got a reimbursement of a pathetic amount. Feel scammed and it's obvious that Pets Best is not there to help cover any costs. I am urging anyone I know with a pet to STAY AWAY from this company completely.