i have had problems from the very beginning, i was not given the rates i was quoted, the rates charged were much higher. they did not tell me that the deductible is per incident. so if you have several things that you are seeing the vet for in 1 visit, you could be charged several deductibles and not get anything back. there did not cover heartguard on my 2 pets, said they did not know the registered name of heartguard was the same product....it is a mess and i cant wait to leave as soon as possible. i have already moved 1 pet to another insurance company.