I can only compare Pets Best to my experience with Healthy Paws, which has been my other dog's insurance provider for the past 8 years. It takes Pets Best 5x longer to process my claims. Further, my reimbursement is paid via check, instead of direct deposit, adding to the excruciatingly long wait to get paid. There are more policy exclusions with Pets Best, some of which appear to be mis-categorized (i.e. an ear infection treatment was labeled as dental-related and denied coverage). The co-pay is required for expenses paid before hitting my deductible—something completely unheard of in any other insurance policy I've ever had. I brought this to the attention of the close-knit Greater Swiss Mountain Dog community, and they were equally shocked by the policy. I got a vet bill in which both my dog's exam fees were complimentary, and additional treatments were 15% off. Pets Best interpreted all discounts as corresponding to the dog they cover (even though the itemized bill reflected which dog had received which treatment), and didn't apply ANY fees towards my deductible.