Went in to see the vet with my four month old puppy with diarrhea and several other complaints. Bill tallied up to 1200$ and I was thinking "thank goodness I opted for insurance" however my $600 deductible is per issue and they broke down my claim into four different (but all connected to diarrhea ultimately) medical issues. They covered nothing and my deductible isn't close to being met on any of those issues so when I go next week for my follow up nothing will be covered still. Why am I giving them $50 a month if they won't help me get my puppy healthy. I am obviously frustrated but Trupanion might be more helpful if you choose to have no deductible but watch out for the monthly rate you'll have!