I signed up for the plan when I took my puppy to get it checked out and after a couple months . It cost me more than taking my puppy to the regular vet and the vets did not seem competent . not transferable and if the pet dies you still have to pay for the plan . If you give the pet away it is not transferable even when you are still paying for the plan . And try to cancel it and it is a pain in the ass. I had to finally put a stop through my bank and change my debit card . They call and are very rude and call several times a day . I had to finally take my puppy to a reg vet when they were unable to diagnose what was wrong with her. This is NOT insurance it is a wellness plan Be aware and don't do it . They charge more for sick office visits and change more for medications .