Wow , I'm amazed how Eusoh treats you . They have easy claims processing times . You pay $17.00 per animal which goes to Eusoh which is the one maintains claims process and reimbursements the members doesn't . You then share the cost with other Members , the max you would pay in month is $48.00 it can be lower depending on the claims for that month. Wellness is covered also which is rare. This is way Insurance is supposed to be . You must give it a try , I love the fact that I have piece of mind knowing my money is going towards real pet parents , and not a Company that just takes your premiums and jack you up year after year .