1/10 NO WAY I COULD RECOMMEND PETS BEST INSURANCE. Again I would not recommend this insurance Company! If you like getting about 1/4 to 1/3% of your out of poctet money for your claim then this is the one for you :-( One Claim was split into 4 claims. We have a $500.00 deductable, they split part of it at $494.00 (just under our deductable)and again 2 more times. The Claim came to over $3,300.00 and counting, with surgeries, med's, over night and folloe-ups. That the short story.To this date we have recover just over $1,500 and change (So our deductble was only $1,800.00, not bad for a Policy with a $500.00 deductable)When it comes time to pay claims, they hold back. NO Customer service also becomes poor when there is a problem. They will not change their mind re: about your payment.