So far so good with Pets Best and their new ways of doing things. I have an elderly dog and am conservative but he has had many issues. So far I have not had an issue. So far they have been just as good as the other companies I have delt with who in the past did seem much more prone to pay claims.But you can be sure knowing and understanding how all this works, I will let everyone know what happens in the future. I get more confident each year that they are living up to their new claims and are as reliable as the other companies. I feel it is important the public know and reviews with follow ups are important. So when they buy insurance they have an accurate idea what to expect. So far my dog is older, he has had some major issues and they have paid. Will keep updating.