I love Pets Best for many reasons....easy claim process, super nice phone representatives, direct-deposit of settlement money, and their great (free) 24/7 emergency vet telephone consultations! But, they really to fix their way-to-slow claim processing time...it takes a month to get a claim decision from them and then even longer to get payment. Pets Best very slow claim processing is the only reason I hesitate in recommending Pets Best to family friends, and keeps me from giving them a "very good" rating. If Pets Best just improves in this one area, it would be an "excellent" company! I'm sticking with you...I'm hopeful you will improve with time!