I have been paying annually for 7 years. When my dog developed a tumor and it came time to use my insurance, I keep getting "fine print" surprises about what was not covered / "errors" in not paying for covered benefits. Its disheartening as I have paid them thousands in premiums over the years. For example, I saw they called my dog's diagnostic cancer test "a special diet" and did not cover it. I had to appeal, a laborious process. They also denied a consultation with the oncologist as a "routine exam," despite specifically saying cancer care was a covered benefit on my plan. I would recommend avoiding this company.