I don't have any complaints with Pet Plan USA's service. However I am very disappointed in how much my annual rate increased this past year. I have a German Shepherd which like many pure breed dogs are prone to hereditary issues down the road. Pet insurance was one of the first things I signed up for when I got my dog, because of this. My dog just made 2 years this past January and although I know that Pet Plan's rates increase based on the age of the animal, my most recent increase I feel is unacceptable. My annual rate increased a total of $165! I called to question the reason for this high increase and was told that they recently switched to a different insurance underwriting who determine d that they were undercharging. I can understand that rates will increase, but such a sharp increase over the course of 1 year is unfair! If you own a pure breed dog beware!