I've had a policy since 2011, maybe longer. The company changes their adjusting policies on a whim. They pay one thing one claim and won't the next. Recently, I filed a claim where my dog was hospitalized for eating a toy. Not only has it taken almost a month for the claim to be processed, but there was a particular line item in the invoice that reads 'hosp/doggy day care". The charge was denied, not only by a novice adjuster, but per the conversation with Pets Best customer service agent, a manager had reviewed it. The invoice has $600 of legit charges associated with foreign body ingestion / constipation. The clinic charges the same for hospitalization as it does for doggy day care. Even though the line item clearly indicates that the charge may be associated with hospitalization, and the other supportive charges that were present on the invoice- the company denied the charge. Now I have to wait for a review, though it's almost been a month. This company is terrible. I would never recommend them. Save yourself a bunch of time and shop elsewhere!!!!