In our experience PetsBest is one of the cheapest of a large groups of very poor options for pet insurance people with many pets are forced to obtain to avoid catastrophic spending during emergencies. After having had to have use their services much more than we would have liked recently, their pricing is very clearly fine tuned to only just be worth it given the yearly premium for the pet owner for large vet bills at the standard $500 deductible and 20% copay. To be fair, this is unfortunately in line with other pet insurance companies after we shopped around for other offers. Out-of-pocket maximums, like most human life insurance policies have, are desperately needed and would fair tremendously well for marketing if the concept is ever adopted by pet insurance companies, obviously assuming the maximum would be something on the order of $1000.