I have had UPC for at least 5 years or more. I've recently had to have a cat euthanized, due to chronic kidney disease. She was euthanized Aug. 29, and I called UPC Aug.30. I have always paid for this a year in advance,rather than monthly. Imagine my surprise when I heard they were refunding the months of October-December, because they had already pre-paid my vet for September!! They told me they cannot ask the vet for a refund. REALLY?? Are you kidding me? The female I talked to was Wanda & it was Wanda's chuckle when she told me, we had already paid the vet and can't ask for it back. I said really? I will surely not pay a year in advance again....IF I decide to get your service again, which I highly doubt....(My 2 remaining cats are indoor cats, and I have no need for their service.) Do they not know that information is public? Have they not heard of social media?? Don't think I didn't try FB....Wonder why they are not there!