When I first signed up for Pets Best insurance I was under the impression that I would be able to upgrade my plan at any time. I was unsure if I wanted to get my dog fixed or not so when I added the wellness plan I added the Best wellness plan and after I decided I want to get him fixed I tried to upgrade it to the essential wellness however at that time they told me I was not allowed because I had a claim put through and that was nowhere mentioned in any of the things I’ve read (that I would have to wait a year to upgrade the plan after a claim was put in) so I had to cancel it and start over. However when I did cancel it they did refund me a portion of the payment that I already made because it was in the middle of the month and now we are in smooth sailing. I did receive a payment already for his vet bill and they covered the entire bill which was nice.