Their website doesn't tell you that the deductible is per incident, making it more like car insurance than pet health insurance. They have an add-on, $10 extra per month, for prescription pet food---supposed to pay 25% up to $250. But they don't tell you that the deductible applies to this as well, so that if you have chosen the $250 deductible, you are paying them for nothing! Also, I canceled on 12/30/14, was billed on 1/02/15, and told I would be credited. But conveniently for them, they didn't count it until 1/07/15, and did not give me full credit. There again, I paid them for something I did not receive.