I've had Pets Best for about 5 years. The coverage, is good, but expensive, and ultimately, I had to cancel it, as the premium increased exponentially each year as my pet aged -- even if I didn't use the insurance much the prior year. I realize premiums do increase as pets age, but I decided it was more cost-effective to put that money in a savings account, since the max the policy paid out was only $5000 annually, and I was close to that mark with my premiums, and of course there was deductible, too. Your best bet, with Pets Best, is to insure a YOUNG dog before any pre-existing conditions.