I have had Pets Best insurance for three months and I see no value yet. I have submitted three claims, two of which still have not been processed after several months. The other claim was denied, understandably so, but the amount listed for the procedure on my receipt is higher than the amount Pets Best even considered reimbursing. My entire experience so far has lead me to determine that for what I pay in premiums per month plus the fact that I’m still waiting for my claims to be processed and am potentially going to be told that they either won’t reimburse at all or reimburse for a lesser rate than the cost means that it would have been cheaper for me to just pay for my pet out of pocket. Save your money and your time.