I purchased this plan for my very senior dog, Osa, who passed away after 3 claims were made on the same illness. One thing I dont like is that on the first invoice they applied my 20% FIRST then deducted my deductible thereby making the payment to me less. The other insurance company I had who wouldnt insure Osa after 14 always deducted my deductible first THEN applied my 20% leaving me the payment. I dont think this is fair. Be aware of this when you purchase a policy from this company.