I was excited when I signed up, stupidly thinking that the premiums would be somewhat fixed, but the 2018-2019 increases were double what I was paying and triple what I signed up for. I don’t want to use the term “bait and switch” because it’s not exactly that, but close enough for me to type it here. I made one claim in 3 years for about $100 because my vet is so affordable, yet I am told vet rates in my area are increasing, justifying huge increases. Self insure. Put some money aside.