[windwalker]

Well had Healthy Paws 90% plan since Ginger was a puppy, one claim which paid about $75 a few years back. Ginger just turned 6 this month and is in fine health. Received an email that rate was going up from $62.41 to $84.87, which I feel is ridicules and the "Straw that broke the Camels back"! So called them for explanation as this has Jumped more in 6 years then a previous company did for our last Pup over a 14 year period. First got a run around on questions, then decided to look at lowering % coverage or raising Deductible. Well that evening received email with 3 different brackets of different Percentage reductions, different Deductible increases and Combo Percentage reduction, Deductible increases. 90%/$100 @ $84.87 Uncapped Premium $107.14
~~~~~~~ 80%/$100 @ $97.30
~~~~~~~ 70%/$100 @ $87.46

~~~~~~~ 90%/$250 @ $91.73
~~~~~~~ 80%/$250 @ $83.43
~~~~~~~ 70%/$250 @ $75.14

~~~~~~~ 90%/$500 @ $77.51
~~~~~~~ 80%/$500 @ $70.63
~~~~~~~ 70%/$500 @ $63.75
Called again and asked to speak to a Manager to explain this, after several minutes on Hold an Individual ID'd themselves as an "Acct Manager", fancy name for another CSR. I explained that I clearly asked to speak to a Manager that had the Authority to fix my Problem or tell that was the way it is! I the received a call From a Manger and found that it was a "Cap Agreement" with AZ Insurance Dept.
Then called our Vet who said they take them all but look at TruPanion. Sure enough they had great prices even though we were coming in with a 6 yo Yorkie. Decided on the 90% with $700 Deductible at $42.07
Sorry about long Post but might help some one save a bunch of money