Thankfully I purchased insurance for Otis at 6 mos. As many of you know already I have been going to the vet and specialist's alot for his leg/limp. What I found out today that I didnt know about my insurance is that within the policy year if you submit multiple claims and they are for a continuing issue you only have to pay the deductible once - WHOOO HOOOO - so in 3 claims I am getting back $600.00 that I didnt know I would be - SOOOO EXCITED! I love this company.