I am glad that I purchased insurance for my puppy. Although I was aware of the $250 deductible, I did not realize what the 80% co-insurance meant until a recent ER visit for a snake bite treatment. Now I know that no one seems to take Pet Insurance and I had to file the $881 claim for reimbursement. However, I now understand that the breakdown for reimbursement is $881, less the $250 deductible, and less the $176 co-pay, meaning I saved $455....well not quite! After the $227 annual insurance cost that does not pay for the 4 series of puppy vaccines, vet exams, and meds totalling $657. I count my self lucky to be in the hole for only about $419. Thank goodness I have pet insurance.