This is the first claim that I have filed with Pet’s Best, though I have had the insurance for three years. I was under the impression that the coverage would be 80% after the $200 deductible was met. That was not the case. They took the deductible PLUS charged me co-pay on some of the lab and surgical procedures. I am disappointed. I had cheaper insurance and switched to Pet’s Best for the convenience of auto debit from my payroll, plus what I thought was better coverage. Now that I needed it, I find that it is no better coverage than I had with my previous company’s coverage, but at a steeper price. I will be rethinking coverage at year end. I may go back to the prior provider, now having given Pet’s Best $1000s of dollars for 3 year’s coverage for 2 pets.