You have asked for my opinion. And you are going to get it. That is my responsibility to consumers and fellow pet owners. I have filed two claims for my new puppy with Pets Best. For $50 per month, you have caused me far more stress than you are worth. I am not going to fight you over every single claim. I have now had to argue over two straightforward claims. You caused me to get rude to one of your customer service representatives - who probably has little to nothing to do with the internal operations. I will apologize to her on your company's behalf for your company's behavior. You can say you are following your contractual agreements all you want. That does not make them ethical. Ethics. Always side on the side of ethics. God would like you to be moral in the treatment of animals. I believe your founder saw it that way as well. But, as always, big business and profits get in the way. This business will require much oversight in the future - oversight specific to the pet insurance industry as it grows in popularity. That is not something you should look forward to - or look to cause. Any more disagreements over billing issues will be resolved via all contractual and legal means. You will not shirk your responsibilities - which I feel you may try to do daily all in the search of profit for Synchrony. I guess business is all about the bottom line. That is what they taught me in business school. I do not care how much it costs me or how much time it takes. I have the means and the time. You will lose every single time.