Our six year old schnauzer started limping badly on his front leg, sometimes he would not even use it. We had to take him to another vet to get an x-ray because our vet does not have an x-ray machine. That was the one bumer. If my vert had the machine the x-ray would have been covered 100%, but since she does not I had to pay a $200 deductible and only had 85% of the visit covered. He now requires weekly injections to ease his pain and to help himstay a young pup. I do wish petplan would consider that not all vets have the proper equipment and not put that against your deductible, but either way we have sent other claims for our other schnauzer and we are very happy with how fast we are remibursed.