Take the money you would put into this company and save it. Every time I've needed something in the past for my other dog, "it's not covered." We have a seven month old puppy that's going to die because they won't cover a liver shunt before a 12 month waiting period is up. I'll figure out a way to pay for this very expensive surgery, but in spite of the years of paying Pets Best insurance every month, it will be without their help. I cancelled my policy.