I have pets best as well but new plans in most states you cannot be your pets own vet for claimed things. They just paid for my dachshund’s $7k hemilam no problem and reimbursement was very quick (10 days from submitting to them emailing that they were finished and reimbursing, but took about 3-4 more business days for the reimbursement to hit my account). We’ll see how much her insurance goes up in March though. Her insurance did take a big jump last year though because she turned 7 and went up a couple hundred for the year (it was something like 450 vs 750 for the year for $500 deductible and 90% reimbursement with unlimited yearly limit).
My sister also has pets best (not a vet) and her cat had 4(?) MRIs, a double myringotomy, a single myringotomy, chemo, multiple ER visits, at least 1 multi-day ICU stay, multiple specialist visits (neuro, derm, ophtho, onco) all within like a 14 month span (and the insurance year reset after the first few months and MRI 1 with double myringotomy) and they had 0 issues reimbursing her visits (after deductible of course). I believe that she said the premium didn’t go up too much after that first expensive visit.