While we have only had to question a nonpayment of a claim,which was reversed and paid, we take exception to policy ONLY following a fee schedule based on a national average so to speak. I happen to live in an area where fees are very high for veterinary services. However, we are reembursed the same amount that would be sent to someone for same "illness",but charged less. I would rather have a higher payback based on MY costs. However , the service and access to one's account is fine.