I took out the insurance when my dog was 6 months, was unlimited coverage, 100% coverage, no deductible, no co-pay. The following year, my premium was increased 30%, and added a 15%co-pay for everything. They denied coverage for meds she needs (hyper-anxiety) because they deemed it as behavioral. I'm paying $130 per month, actively looking for a new provider. Stay away from PETWATCH! Not worth it!