My first pet insurance claim was completed today and I learned something that is not very clear when you sign up. Most folks have car and health insurance which sets a precedent for how you would think pet insurance would work. I learned today that is not accurate. With pet insurance, 100% of your bill does not go to the deductible like health or car insurance. Instead, and in my case, only 90% of the bill goes to the deductible. So for a $1000 deductible, I have to file $1,111.00 in claims just to cover the deductible, before I am eligible to start getting actual insurance payments. While this isn’t horrible, it certainly is in the insurance company’s favor and why wouldn’t it work just like car or health insurance? Thus, I’m left feeling mislead, deliberately or not.