I have never had pet insurance, so I carefully researched all of the options before I chose Pets Best. The coverage is 80% minus a one-time deductible per incident. I have a cat that was diagnosed with Asthmas/Bronchitis/Pnuemonia. The diagnosis, treatments and medications have totaled approximately $2,000 so far. I have had to pay only the low monthly premium, the $100 deductible and $400. I can download my scanned receipts right over the internet and the response time is very quick. I am confident that I made the right choice in Pets Best and their support has been wonderful.