The claim process was easy, but the application of definitions for deductible and co-insurance is misleading (and they don't cover taxes - a significant cost of the procedure), so I will be looking for another company. The deductible for PetsBest is NOT how much you have to pay before insurance kicks in. You have to pay co-insurance on everything from the first dollar and that does not count towards your deductible, so if you have a $1000 deductible with a 10% co-insurance, you actually have to pay sightly over over $1100 before the insurance will kick in. All combined, I was reimbursed about half as much as I was expecting.