I have 2 shetland sheepogs, ages 3 an 10 months an 10 and 5 months. I have plans B an E for both dogs. I am responded to quickly. Policy period of 8/25/11-8/24/12 my costs for vet bills and premiums paid out was $7857.22 and I was reimbursed $2473.93 (31.5%). I feel that with a 250 deductible and one of my dogs reaching age 11 years in April, I am caught in an ever growing expense sink hole. I wish PetsBest considered owners' age and loyalty.