my friend raved about pets best, but I have had no luck with them at all. I'm switching back to VPI. yes on paper PetsBest seems great, but they nickel and dime you at every corner possible, and they're so difficult to get $ back from. You have to write almost an essay for everything the dog needs, and so far, even though I've had the basic procedures that are "supposed" to be covered under my plan, they find a loophole to not pay me. VPI never did that, and it was so easy, I just faxed them my reciept, and VPI would send me a check.
So far my pup and i purchased the most expensive plan too, out of the $400 I submitted, I only got $10 back, saying they will only cover the fecal test.
I would not recommend them, This is what I get for swtiching and trying to save a couple bucks.