I have been paying $47 a month for the past 4 years which is $2,256. I have probably gotten about $600 back from them, including getting him neutered. I wasn't satisfied with the payout for getting him neutered considering he's cleptorchid and required surgery which they barely reimbursed. (cost me about 1000, cost them I think a standard fee of $100 or something around that).. read the policy and unless you expect vet expenses, don't bother with it. The company has a great plan for profit. However, this insurance policy isn't necessary for MOST people, in my opinion and I am an insurance agent (not for pets obviously).