I stupidly paid for this insurance, for two dogs, for several years. I did not look into other options. I should have simply put that high monthly premium into a savings account for my dogs- I'd still have it. When I really read the fine print, I told my benefits admin at work that I'd be cancelling the insurance during the last open enrollment, he said "Yeah, I would have steered you away from that from the beginning if you'd talked to me." Lesson learned.