Pet's Best is an okay insurance. My reasons for not giving a 5 star begin with re-payment from a submitted claim. I have a different insurance for my dog and within 1-2 days, the reimbursement reaches my bank account. That is super fast plus super easy to send the statement from vet. All I do is forward to my insurance company. With Pet's Best, they have forms that need to be filled out plus the vet bill. Takes forever to fill the form rather than just send the copy of the vet bill to them. Secondly, it took 3 weeks to get my reimbursement, which has not entered my bank yet. I just feel that is a little much. If they would just allow to send a copy of the bill without all the form paperwork, it may speed up their processing. I would think when they look at the bill you can tell what each charge was. To be honest, I probably would have gone with the same company as my dog except they changed what you can do. Right now I have $100 deductible, 90% reimbursement, unlimited coverage. The other company does not offer those coverages any longer. One other BIG issue, when I got my kitten, he came from the Ukraine, Kyiv, an active war zone. He arrived in LA during the worst wildfires in their history and my kitty was there for another 3 days in red zone breathing/air. When I got him, I had 7 days to see a vet to be sure he was healthy in case I had to return him. He had a bronchial issue and one eye seemed congested and was weeping. When I took out this insurance for him, they automatically implied he had a pre-existing brochial and eye problem so that anything that may affect either,later on, would not be covered. My vet sent an appeal letter stating it was most likely enviromental due to the war zone air as well as LA air from fires. It has never presented itself since January, 2025, which is when I got him. Whomever read the letter from my vet denied the appeal. No explanation other than it was denied. I thought they at least would have explained "why" it was denied. That in itself was enough for me to change companies which I may in the future.