I pay $34 a month with the $200 deductible. Recently my dog needed to have teeth extracted as his baby teeth were not falling out on their own and his adult teeth were coming through. Pet plan denied my claim of $450 because I paid my Vet in 2 payment instalments to pay off the vet bill. Petplan told me because I have 2 separate receipts that it is two separate claims and that it doesn't meet the per condition deductible. My Veterinarian and I explained to Petplan numerous times that even though I made 2 payments that it is 1 claim as I had proved through my dogs medical records and receipts. Petplan denied my claim saying that it's two separate claims. My Vets office sent in all the necessary information explaining to petplan it is one claim. It has been over two months now and I am still trying to get reimbursed for my claim. Petplan will use any excuse to try not to pay you. Its difficult as it is when you have a sick pet and then you have to deal with an insurance company like Petplan. When I called in to Petplan the women over the phone was very rude and told me she was too busy to deal with my claim. I am looking into other pet insurance companies but not until I am reimbursed for my dogs claim.