I'm fairly new to pet ins & only went w Pets Best upon recommendation of my neighbor; I'm not so sure I made the right decision. After having to take my dog to Urgent care on a Sat & then again to Emerg care on Sun; I ended up with a total due of $1346.34; my deductible was $500 & Pets Best pd only $272.49 of $846.34. I would not say that's very could coverage for what I thought was a good plan where I pay extra. I will see if my neighbor can decipher what was & was not covered, as I belieive I bought the same coverage as she. I have not been very happy so far with Pets Best. Terry H