Honestly, the plan is amazing, probably the best available in Canada. I work at a vet and I do recommend this plan to clients because it's simple. But, if you start with a deductible and then change it to nothing, they can give you a bit of grief as they will try to relate the issue back to when you had a deductible. I understand that it's because they have had a lot of fraud, but it can be frustrating. In the end, I don't regret choosing Trupanion, and I still recommend them. The plan is amazing, and you are reimbursed quite quickly.