I've yet to have a claim process timely with Pets Best. When I research, I did my due diligence in selecting an insurance since I work for a medical insurance company. The reviews states they had good turnaround times on claims reimbursement. Sadly my experience, I'd get a notification 3 weeks after submitting claims with emails stating they are experience delays and always apologize for the inconvenience. It appears slow processing of claims is customary for Pets Best. It would take at least 4 weeks to get any reimbursement if I was luckily. They also denied my dogs ear infection claim stating pre-existing condition. How is an ear infection pre-existing? They are urgent episodic events that are NOT pre-existing. They could be chronic but not pre-existing and there's difference. They want to avoid paying claims on you pet. Shame on you Pets Best!!!