While we were quickly reimbursed for our initial claims...I was surprised that they separated the diagnoses and prorated the deductible on each. I am surprised and disappointed that they do not cover diagnostic exams and preventive health. It would seem that they suffer form the same malaise as does human health...they pay for illness not wellness. the verdict remains out for me until I see how they handle the second leh of our 11mo old pup with luxating patella knee surgery. Since it was diagnosed at the same time, my sense is that the deductible is paid! We'll see.