I have a Chocolate lab, he is 5 years old. I have submitted claims in the past for him and never been reimbursed. Over five years I have paid hundreds of dollars and recognize that I have a $200 deductible.Most recently, I submitted two claims for him, both above $200. For the first I was told since I have a deductible to pay , I was issued a check for $1.36. Laughable!! To reiterate how unreasonable their plan is , I asked why my second claim was not reimbursed either since I had already covered the deductible. To my shock they said since that bill was for a different condition, that has a separate deductible!! This is a total scam, I wouldn't advise anybody to use this company for pet insurance. I will be looking at other options even though I have spent a lot of money here already. Totally unethical.