Good coverage in specs but they haven’t paid a dime so far on 5 covered claims

Pets Best appeared to me to have the best coverage at 90%, unlimited, $500 deductible, and with Pro plan covered regular visits. However, I have submitted 5 claims (claim process is automated and works well from a smartphone). All covered/approved within a couple of weeks During covid. So far Pets Best hasn’t paid a dime because it either went against my deductible or against co-insurance. I’m disappointed and feel it’s like regular health insurance which doesn’t cover the bills. My pet hasn’t had a large problem yet though, so maybe they’re better on catastrophic care situations.