I pay more than what they cover. I will have to reconsider the value of Pets Best Pet Health Insurance. I have two of my dogs covered with this insurance. I pay over $1000 a year for both of them. Right now, their pet bills exceed the approximately $500 a piece that I pay. For example, I had to take my 2 year old dog to the ER Vet. The bill came out to about $500. Insurance would only pay about $170. I have had other issues where I am paying more out of pocket for my dogs’ medical bills than the insurance will cover. I should just start saving $1000 per year in a fund and use it when need be especially during emergencies.