wow... do not be fooled into thinking you will get 100% coverage with this insurance company. (I am in the Gold Plan). There is a deductible with EVERY bill depending on the condition, a pet pro representative will determine how much that deductible is. (I just got done talking to a company representative who confirmed this.) They only covered $18 of a $68 vet bill for which my dog was vomiting for 3 straight days. Thank god my vet said to wait a few days with the x-rays to see if he improves, I can only imagine what pet pro plan reps would have not covered in that bill. I will not be renewing my coverage when it expires.