Pets Best is overall excellent! We have had this insurance for approximately 4 1/2 years and it has saved us numerous times paying large bills! We have three dogs. A French bulldog, Olde English Bulldog and a Beagle mix. I have needed this insurance for all three dogs. From Addison's disease on the Beagle mix to CCL surgery on both knees of the Old English Bulldog over a 2 year period and French Bulldog needed hereditary surgery for narrow nasal passage and saccules removed from throat and a hooded vulvo . This insurance has saved us thousands of dollars in the long run. Yes the premiums go up every year but worth it to us! Our mix bread dogs...the Oldde English Bulldog and Beagle mix.....MIX BREADS ARE CHEAPER to INSURE! The French Bulldog is highest to insure. We are glad to have 80-90% coverage with $250-$500 deductible. We complain about monthly payments but well worth it if you can afford it. You pay the vet bills upfront and get reimbursed by Pets Bets.I only gave 4 stars because I feel more things should be covered. I am grateful to be able to have this insurance for loving dogs❤️