I am so glad I purchased from Pet Plan, you never think you are going to need it but when you do it's an absolute god send. My beloved "Otis" began limping on his left front leg - upon our initial vet visit he suggested possible OCD, recommended glucosimine and rest - it did not get better so we were referred to a specialist - the xray did not find any OCD or other issues - we were at a loss - then came the MRI to rule out any root signature problems etc - wow did this get expensive. Little did I know that if you submit multiple claims for a continuing issue with in the policy year you only have to pay the deductible once. WHOOO HOOO! Petplan rocks, great customer service - I to date have submitted many claims and each one is processed as I expected. Thank you Pet Plan.