I looked at reviews and asked them about this and I was told it was very rare for it to go down to 50% and it would only happen if someone were to submit $10,000 or more in claims for one issue. We of course we have not come close to that. We just got our letter saying it would drop to 50% coverage for everything. I am quite angry about this. She said it could go up again in 6 months. Our dog had a liver surgery and for $5000.00. We pay 42.00 a month + the 300.00 deposit which is 804.00 before we'd see anything. I'm not so sure this is worth it.
I am giving it a 3 because they lied.