I paid $35 a month for 8 years and had 8 claims. After taking out the $100.00 deductible and only covering 80% I received maybe $1,050 back of the $4,000 I paid over this time. The last year I had the plan my dog had 4 bladder infections, when she got a 5th one they refused to cover it, they now considered this a pre-existing condition, which they do not cover. They let me know that any future claims that relate in any way to the bladder (such as a yeast infection) will NOT be covered. Then they refused to use my bills towards the $100.00 deductible. My general feeling is as long as your claim amounts are low and are infrequent they will cover you, if you begin to turn in multiple claims they find a loophole or way to say it's related to a pre-existing condition. I cancelled my plan ASAP.