My review on this petplan policy insurance is absoultely dreadful. This insurance plan had took me for a ride. I switch my deductiable from $200 to $100 and was told 4 different variations to the rules about doing so with 2 different supervisors. I have already met both deducatiables $200/$100 and have not been compensated. I was also OVERCHARGED, and three weeks later still waiting for my giftcard/refund. Stay away from this insurance plan if possible. They all seemed confused, and want to always call you back with an answer but never actually call you back.