Our plans provide coverage for accidental injuries and illnesses. There is a $99 (taxes included) deductible and a limit of $1,999 (plus taxes) per year. The deductible is applied per accidental injury and/or illness. This means that any injury or illness that requires multiple vet visits would have it applied only once. Those who have the Umbrella Protection have the deductible waived for all claims. We reimburse you 100% of the costs, up to the limit of $1,999 annually. Reimbursements are made via e-transfer directly to you within 24 hours upon proof of payment and claim approval. There is a 2 day waiting period for accidental injuries, and 7 days for illnesses.