EVERY claim they have managed to find some ridiculous reason not to cover it. Don't be fooled by the $200 deductible.......you could spend thousands of dollars in out of pocket expenses for your deductible and they get to decide exactly how much they want to release towardsyour deductible! TERRIBLE!!! SAVE YOUR MONEY AND JUST PAY THE VET BILLS OUTRIGHT......YOU WILL SAVE MORE MONEY IN THE LONG RUN!!