Given most of us are familiar with standard insurance protocols, ie annual deductable and co-pay, $200 annual deductable + $50 co-pay per claim, it unfolds they apply $200 deductable to EVERY CLAIM BY CONDITION .. VIS A VIS THAT $200 ANNUAL IS LIKELY TO LIE FALLOW AND INCREASE THEIR PROFIT. Vis a Vis, a claim of only $75 does not suffice to meet the "Deductable;" it happened to be for an ER visit, a possible ingestion of a foreign body, and won't be reimbursed unless there is another claim of the same? Nobody would knowingly sign on to this. Bully for PETplan? On top of that, a claim of a total of $709 boiled down to $288 and it has been three weeks since it was submitted.