I am now researching VPI pet insurance. They were talking about the $50.00 deductible. This may sound real stupid, but, does that mean that they will pay back whatever is over the $50.00? I saw that they pay back up to 90%. Does that mean, for example, if the visit is 150.00, I cover the 50.00, then they will pay me back up to 90.00? I am sorry if this is so confusing! I just want to make sure I am understanding this. The website can say all kinds of things, but I like to hear about it from someone who has this coverage, and has had to use it. If you do, how much have they actually repaid you in the past? Just curious! Thanks alot in advance if anyone responds!