If I could rate less than one star, I would! I’ve been a customer for over ten years. The ONLY reason I have stayed is because if you switch companies, everything your pet has been treated for is preexisting and not covered. I have had two dogs covered. Most of the time, they will decline claims that should be covered. They then make you get a letter from your vet along with all records....for me that often meant 100+ pages of records and the bother to my vet of having to write a letter. As a result, my vet office never recommends Pets Best! They then take another 60 days to review the claim you waited over a month, initially, for them to process. Additionally, for the past 6+ months, they claim to be understaffed and take more than 60 days to process any claim you submit. The customer service is horrendous! I would not recommend that you purchase a policy with this company!