I have 3 small, basically healthy dogs that I insured with PetPlan; my plan included a $200 deductible per dog. One of my dogs developed a problem with his eye while I was on vacation, and the vet I visited away from home told me that he had a scratched cornea and a possible clogged tear duct. We treated with medication, and I told him that I would see my vet at home about the tear duct. The cost was $165, which was applied to my dog's deductible. When I returned home, my vet diagnosed the tear duct problem at another cost of $90. I submitted my claim, and Pet Plan refused to pay as they considered this to be a separate diagnosis. Apparently, Pet Plan makes you pay a $200 deductible for each "condition", not an annual deductible. In addition, customer service per claim is as horrible as any human health insurance policy!! I've been on the phone with them numerous times about one claim, and they just don't seem to get it. Stay away from PetPlan!!