I have been with Pet's Best for eight years and liked them until I recently submitted my first serious claim.. They used some tricky math to swindle me out of $300 on the claim. The policy description says they pay 70% after a $1000 deductible, but in fact they apply the deductible to their 70% share, reducing the effective payment to about 65%. I told them I thought this was unconscionable, and their reply was "this underwriter calculates it that way." I would have given them fewer stars, but their customer service folks are very nice and they did process my claim quickly. But the policy description is misleading at best. This was not explained when I bought the policy, and after reviewing the policy it is still not clear.