Read your policy very carefully! The website makes it very hard to find out exactly what your annual premium is, and if you "trust" their staff, you will be duped. The customer service agent that signed me up last year didn't inform me that a monthly payment incurs a $3 service charge so I paid $36 extra last year when I could have paid the full amount if I had known.
This is EXTREMELY UNETHICAL and basically ripping off customers by not fully informing them of the hidden charges. Any sane person that can afford pet insurance can afford the less than 200 dollars of premium at once rather than paying $36 extra for the same thing. Even if they can't afford it, the agent should have informed customers about the extra charge so they can decide themselves.
If this kind of unethical behavior starts at the sign-up, who knows what else is hidden and a "catch"?! When you actually need them, after paying thousands of dollars?
I am so close to dropping my policy. $36 is not a huge sum of money but I feel deeply cheated.