Fight every time when you submit a claim. I did not expect things to be different this time around but this time instead of complete denial (overturned easily on appeal/vet could not even believe they denied) this time they applied deductible for condition that already had deductible applied. Issue was sebaceous cyst treatment for infection and surgical removal recommended this time. There are at lease two to three previous entries in chart stating previous treatment for sebaceous cyst which more than totalled deductible amount. Absolutely disgusting.