8 Out of 10 Glad I had some kind of pet insurance. The only thing that I did not care for is that the deductible is applied to different conditions and not a one-time deductible. Did you find this review helpful?YesNo Injury/illness Bladder Renal (kidney) heart Claim Amount $100 - $500 Breed Mixed Breed Age of Pet Over 8 years Leave a comment Your name Email Comment From time to time, we would like to send you the latest news and updates from Pet Insurance Review and exclusive offers from our partners. So that we can send you information and offers which are tailored to you and your pet, please let us know which type of pet(s) you have: Please sign me up for the Pet Insurance Review newsletter which features the latest news, updates and pet care tips. Please send me special offers from our partners, including natural pet food coupons, pet healthcare discounts and more. Your pet Cat Dog Equine Other And the State you live in AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMicronesiaMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPalauPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirgin IslandsVirginiaWashingtonWest VirginiaWisconsinWyoming What code is in the image? Enter the characters shown in the image. Submit comment Posted: 12/10/2012 By:   Hey there Cynthia- Firstly, I hope your pet has recovered well and is feeling better. I wanted to explain the reason Trupanion has chosen a per-incident deductible over an annual deductible. Most pets experience just one or two chronic or on-going problems, rather than several short-term issues. With an annual deductible, you have to meet your deductible again every single year, even if the only problem your pet experiences that year met the deductible in the year prior. With a per-incident deductible, you only need to meet your deductible one time per condition, no matter how long your pet requires care for that condition. That means if the only issue your pet needs care for is allergies for 6 years in a row, you only have to meet your deductible once during that time. With an annual deductible, you'd have to meet it again every single year. Hope that clears things up for you, but we're always happy to answer questions over the phone as well. You can reach us at 1.800.569.7913.