Extreme delay in reimbursing for legitimate and fully docuemtned claims. Despite two time-consuming phone calls to customer service, the delay was extended with unnecessary requests for more documentation, wasting myveterinarian's time because all records had been submitted. Then denial of the oral assessment part of tooth removal, even though the dogs teeth were not cleaned, which was the jsutification. THREE WEEKS wait for reimbursement. Pets Best claims 25 days is typcial. Healthy Paws paid all my bills in 24-48 HOURS. Trupanion pays instantly. This must be why Pets Best rates are so much lower than others?