I did a review about a month ago. I've had more claims since then. One dog just had knee surgery for luxating patella. When I first bought Pets Best many years ago, that was a condition that the policy excluded in all cases. A couple years ago, they made a more expensive policy that would cover all heredity conditions and I upgraded to that. Good thing, as I just had to use it. They paid $2500. of the $3100. surgery bill and have covered all the tests that went on before we got to the point of surgery.
My other dog ended up barfing and having black stools last week. She is only 7 pounds and dogs that small can't go on like that for very long. The vet ran many tests, including full body xrays, looking for a blockage. It turned out to be gastritis (she did have internal bleeding from it) which doesn't sound like a big deal, but her bill was over $800. that day.
I have 2 other dogs on the insurance who have been healthy, knock on wood. The 2 that had claims this year had many claims all of which have been paid after the $500. deductible.