Processing and responsiveness and benefit definitions are fine. However, I have an ethical problem with how coverage payments are calculated. Because Pets Best charges co-insurance (10% in my case) even on the deductible amounts (!), payments to insured parties are reduced. This is deceptive, and a version of double-charging; saves money for Pets Best. I have never seen an insurance company whose process works like this. I'll ask Pets Best to reconsider this arithmetic, although I doubt that they will. I will not be renewing my policy, due solely to this issue.