We had this insurance for our cockapoo since she was a few months old. I had no issue with the rising premium as she aged most likely because there were so few claims. Once she reached 10 years old the rates skyrocketed when she needed increased healthcare. The few claims were delayed, then required unreasonable amounts of medical records only to be denied or applied to a deductible Attempting to get through to CS took on average 20-30 minute hold. At 14 years she had to be euthanized due to organ failure I was instructed to pay the remainder annual insurance amount. Not once did Pets Best offer any condolences for the loss of our pet. Not surprisingly they paid her euthanasia package probably because they were now free of claims. Anonymous