Should I bother to file a claim if my bill is less than my deductible?

Yes. Since our deductible is on a per incident basis, you should always file the claim. Even if the first one is below the amount of your deductible, it will reduce the amount of the deductible you’re responsible for if there’s another visit or more treatment necessary for this particular illness or injury. Once your deductible has been met for this specific problem, you’re covered for the life of your pet’s policy for that condition under any of our plans. Our policies will also insure hereditary, chronic, and congenital conditions year after year, not just accidents and illnesses. We do not penalize anyone for claim submission.