I have been paying $44.+ for some time now. Never made a claim until recently My dog got some sort of skin abrasion that cultured to be a staph infection. Because he had some sort of mention of a skin infection prior (totally non related), they said it was a "pre-existing" condition. NOT!! I even have a veterinarians note to them that it was totally non related. Beware of them pinning everything on a "pre-existing" condition. Just an FYI----their payout to me, after deductible, etc. likely would be around $50 dollars. I have now cancelled my insurance so it really wasn't in the best interest overall. Don't get it!!!