Our dog has gotten himself into lots of trouble - broken bones, digestive issues from eating things, parasites, you name it. We have spent thousands on his medical bills for his accidents. A fraction of our payments have been recovered via pets best. However, their annual fees are so incredibly high, it hasn’t yet paid off for us. When speaking with a pets best representative this year about whether to continue our policy, she suggested that if we didn’t continue our plan, our dog’s prior accidents (broken bones, stitches, digestive issues, etc) would be considered preexisting conditions in any future plan. Absolutely unbelievable and such a scummy way to run a business. I would definitely shop around. I have no loyalty to this company after 4+ years.