Our claim was processed very quickly (in about 2 days), which was fantastic. The only drawback is Pets Best doesn't calculate insurance the way that I expected. With normal human insurance, coinsurance is not calculated until you meet your deductible. With Pets Best, they calculate the amount of coinsurance they will pay, then you have to meet your deductible before they pay their portion. So my initial prediction calculation came out to be around $80 but instead because of the way Pets Best calculates things, it actually came out to be around $38. It would have been nice to know this is the way they do things ahead of time.