We bought this coverage for our dog when he was a puppy in 2009. We had 2 claims in 2012. They reduced our co-pay to 60% then after 6 months put it back up to 80%. We just received a letter stating they reviewed our file and we are now at 60% co-pay with no reduction in premium. Why would you penalize a client for making a claim 2 years. Insurance is suppose to be protection for the unexpected. We are extremely disappointed with PC Insurance.