I've submitted claims on 2 different occasions. They charge a deductible for every single item and find every additional reason they can to whittle down what they pay to little to nothing. I was unaware when I signed up that the deduct was per item and don't recall seeing this anywhere (at the time I originally signed up). Maybe I missed it. Either way, it seems an unreasonable way to do business; I've literally never heard of any kind of insurance charging a deductible per issue; copay sure, but not a several hundred dollar one.
I would NEVER recommend this company to anyone. I'm starting to feel like pet insurance in general is a scam. Caveat emptor.