I have had the insurance for a few years now. With carrying the add on to conver immunizations, I get back over 50% of my yearly premiums with just the annual shots, check up and heartguard pills. What is left is about $10 per month in case of illness or injury. The benefit plan is well worth the expense. Payments come quickly and the staff is awesome should you need to contact them with a question. We cover both dogs and get a small drop in premiums. Our pets are worth the investment.