We have had an accident and illness policy for 2 years and 3 months and never had any claims for either of our Great Danes. I filed my first claim for nearly 3k. My dog was sick. We had a vet visit with an X-ray of her stomach, bloodwork and a shot for anti nausea. It was an emergency visit. Two days later we went back and she was hospitalized. There were 4 more X-rays looking for a blockage and monitoring if the contents move through the digestive track, one was a barium study. She had an IV with fluids and antibiotics. Out of nearly 3000 in bills, 576 was reimbursed. I understand the 500 deductible and 20% copay but that is so must less than expected. My monthly premium for just this one dog is $144/month. I do have another dog insured too but that is more. The policy says it covers emergency care, X-rays, injections, lab tests. I have the unlimited option. So I expected to pay 500 deductible and 20% of the rest after the deductible. That’s not what happened so now I am canceling both of my dogs insurance policies and I will find another provider. I do not recommend Pets Best.