I chose PB after doing extensive research and readin hundreds of reviews. Pay close to $600 a year for a plan, which isn’t a big deal as $50 per month to insure our beloved black lab. I’ve submitted four claims and they reimbursed one in full and one in partial. Two they denied. To be honest, I’m slightly disappointed because there seems to be a “gray area” between what is covered and what isn’t, and what applies toward the deductible and what is paid after the deductible is satisfied. It would almost be better if PB would send out EOBs once in a while just to let us know where we’re at with deductibles. Just a suggestion.