Marketing materials are not clear when really disclosing member cost sharing for their pets. Had to discuss this with your cusotmer service department when first claim was processed. found out that Pets Best processes Coinsurance Payment before Deductible is fulfilled. In other words we pay both Coinsurance and Deductible at same time. So it actually takes longer to fulfill the Annual Deductible and as a result costs us more $$$. This language is vague in your marketing materials when it was clarified by your customer service representative, who really could have cared less that this in actuality was how you process cost sharing in your claims department.