It's strange that when using an internet search of pet insurance companies that Pets Best comes up amongst the best. I would have to disagree. People will pay more and get less coverage with them. First of all, all office visits are excluded from reimbursement. Second, there is a co-pay as well as a deductible. I got nothing back from flea-tick and heartworm medication. A $400 emergency animal hospital visit returned approximately $135 twice this year while my dogs monthly premiums were $90 per month. So, I paid $900 in premiums this calendar year and got back less than $300. My dogs cost of monthly premiums have gone from $50, to $75, to $90 and now the upcoming renewal is supposed to be $140. I can get much better and cheaper insurance from ASPCA because I've already got the quote. Pets Best is also VERY slow in paying reimbursements. I submitted a claim on September 19, 2024 and as of October 15, 2024, I still do not have the reimbursement posted to my bank account. They say they process claims within 30 days but even that is too long. I believe this is just an unaccecptable level of business and competence. I do not recommend this company.