Petplan has raised rates, I now pay over $1300/year for my 9-year old GSD, and they seem to claim everything is pre-existing condition. Make sure you find out first before using them. They denied our claim to have a mass removed that, thankfully, turned out to be benign. They claimed that the mole he had 5 years earlier made this procedure pre-existing, even though Vet wrote a letter explaning that the mole was insignificant 5 years ago. This is how they profit. Is cheaper to pay out of pocket than the $1300+ I have paid for 3 years.