PetsBest has a formulary called 9.C.2, which is basically used to deny all my claims. My vet does not know this formulary so they prescribe medicines according to what they think is more effective for my dog, but for some absurd reason these medicines are never covered by the 9.C.2 formulary. I cannot use the policy like this and it gives you an easy excuse to deny all my claims. This is unacceptable and I cannot pay a 600$+ per year of premium with another 500$ deductible and then STILL get no coverage from you due to this formulary. I want a refund of my policy OR a way to make my policy more effective which will cover all medicines my vet decides to prescribe, like any other pet insurance would do.