Turns out our little Lucy has allergies...pet plan is so good...they check our doggies records with our vet and combined some of the claims since we realized they were all due to allergies. We are still trying to find out what exactly she is allergic too...which is not fun. We think it is food but we are trying to keep a 1 and 1/2 yr old puppy...from eating anything she comes in contact with. This is our first renewal with Petplan and we are happy to say we are still glad we have this insurance. We do have to make the deductible again this year...but that is the policy type that fit us the best. Hopefully we can eliminate whatever Lucy is allergic too and not have to use the pet insurance for a long time...but it is so comforting to know we have it in case. (p.s.- this is my second review- first one in April 2010 for Lucy's cherry eye surgery)- Pet plans rocks!