The lack of a deductible was partly initiated knowing that consumers can't always afford a deductible when their car needs a repair. With times being tough, even a modest deductible could be hard to finance. Listed in their facts page at http://pawswarranty.com/
Despite the lack of a deductible, the monthly premiums are not inflated to make up for this fact. Pawswarranty.com stands behind the choice to offer a $0 deductible, and doesn't penalize consumer in hidden fees or higher rates.
In the future, Premiere Auto Warranty Services intends on taking their focus on customer service even further. They are open to questions and comments on current or proposed services, and can be contacted at any time via http://pawswarranty.com/

