The plan that I have covers 90% of most vet costs after a $500 deductible and a $760/yr premium. So far the vet fees are unequivocally accepted by the adjusters with no question as to the amount or no set schedule of fees. I like this. It makes it a lot EASIER to understand. The NEGATIVE feature that I didn't expect is that the deductible is calculated as 90% of what I actually pay. For example, if my dog's first vet bill is $500 then I still have to pay more deductible because I only get credit for paying 90% of that $500 or $450. I did NOT expect that and it seems an unusual way to calculate benefits. It means that the actual deductible is $555.55 NOT $500. I have not considered whether the premium is high or low but I think it most likely to be in the range of other insurers. For this dog, it is $760 with the two dog discount. It is a worth while expenditure as this dog has already had a $5500, LIFE SAVING surgery. Now days, with vet's ability to save dog's lives and the cost of these procedures going ever higher it is necessary to have vet insurance. I just realized that this survey is not for pet insurance but for a PACKAGE DELIVERY SERVICE! That is a strange way for Pet Best to save money but if it keeps premiums low than it is acceptable.