Well as you know I had two recent claims it was fulfilled with the time limit about 30-39 days they had a little trouble getting the vet that I want to to send the records so they contacted me and I was glad to contact my vet and they finally got the information that pet best required. The question I have is how do you decide what the copay is for example I have a $500 deductible and I had one bill of $1,090 somewhere around there but the copay was $216 and I really don't understand how you guys figure out the copay. I would think that's awful high for a copay but that's just me, besides that it was very good as I said before they did it between the lot of time with 30 to about 39 days .Best Pet Insurance sent me an email stating that I should be receiving my check or checks here shortly thank you