It's ridiculous that, when processing claims, the submitted veterinary bills are not immediately and completely applied to the deductible first before engaging in any co-pay split. For example, let's say you have a deductible of $500, and a plan where you pay 20% and PetsBest pays 80%, and you submit a bill of $600. Instead of processing claims like every other normal insurance agency (human health insurance, car insurance, or every other pet insurance provider), where your claim is first applied to satisfy the deductible, and then the remainder is split per your copay percentage, every single claim is processed at the copay first and THEN they apply whatever THEY were supposed to pay to your deductible. This means it takes a LOT longer to meet your deductible, leaving you on the hook for the entirety of bills for a lot longer than if you had chosen a different provider. Also, if your pet is diagnosed with a chronic, ongoing health condition, you are TRAPPED at whatever quality plan you originally signed up for. So, let's say you chose the plan with the lowest deductible and highest possible reimbursement. If you EVER choose to downgrade the plan to save money, you will NEVER be able to upgrade again. You also won't be able to add additional coverages. All you will ever be able to do is downgrade. All of this combined with extremely high claim processing times (up to 45 days), it does not make the low monthly cost worth it.