I used PetPlan insurance for our dog for four straight years. The first year our plan cost $259 - the next two years we paid around $100. Then this last year they automatically charged my c/c over $450! When I called to complain they said that they had raised ALL of their mixed breed premiumums. I told them I never knew they were going to be raising the rates and they said "we sent you an email 45 days ago". PetPlan will pay you back for any pet emergencies - however - they will try and screw you any way they can with your premiums! Just save the money you would spend on their annual contract in a seperate savings account - they max out at around 8 grand a year - not worth the price you pay for the premium!