Don't bother wasting your money with this company! I've paid more out of pocket and on premiums than they have reimbursed me for any wellness or illness visits. The $500 deductible has a big hitch to it. They take out so-called copays so it's almost impossible to reach said deduction amount for the year. Yes, the deductible is annual. Even on wellness visits they only reimburse once! So if you are a few weeks early on your pet wellness visit they will not reimburse you for it. I would not recommend Pet's Best to anyone. Take what you would pay for a premium every month and put it in a savings account. This was a big waste of money! And in today's economy, we all need to save not waste. This was an expensive lesson for me. I will be canceling my policy before my next renewal. And of course, premiums are going up by $30 MORE per month! DO NOT PURCHASE A PET POLICY FROM PET'S BEST! I repeat DO NOT buy a policy from Pet's Best!