(Hope you get to read my true feelings.) When it comes time to pay claims, they hold back. Customer service also becomes poor when there is a problem. Pet Best is not the best and does not try to satisfy their customers. I am very dissatified and they didn't try to rectify the problem nor even cared dispite the words that came out of their deceitful mouth. They have lost a customer. Don't waste your time trying to appeal because they will not change their mind. Look else where for insurance. Best of luck. Beware: There are other deceitful companies out there.