My 10-year old cat, Bunnie-the-Cat was recently diagnosed with Renal Failure. I was in shock! I never suspected and never had a relatively young pet get sick. Well, imagine my further shock when I learned that I would need to give her daily (or every other day) subcutaneous IV's of necessary hydration at a cost of $53.00 per week plus $225.00 blood tests at least once a month. While I would do anything for my pets, this cost--I don't know how to make doable--for the rest of her life! Well, I must say I was very anxious about whether PetPlan would pay. I was meticulous with following their rules: at least two years of vet history (I sent 9); yearly checkups and following all vet recommendations; eliminations on certain pre-existing conditions for certains amounts of time; etc. Well, I am happy to say that they have following their contract 100%. Each and every interaction with customer service has been a pleasure. Heather even checks in with me to see how I am doing and facilitates my claim processing. I think that people who complain are not following the rules and don't read the fine print. Yes, PetPlan's deductible is per condition per contract year. So yes, each new condition must meet the deductible. You need to understand and follow their rules. Truly, PetPlan has allowed Bunnie to live as long as we can maintain her without given a thought to cost.