Details: After two years with Purinacare and minimal claims (less than $300 for 4 animals), they raised my rates. I called to raise deductible and lower rates on 5/24, they said it would be effective June 1 and I would be issued a refund. July came and still no refund. Then they charged my checking account over $300. Still no refund. Over $500 in'fees' charged to my account with no refund in sight. AND they NEVER answer emails AT ALL.