You better don't have a pet with health issues because insurances are useless (not just pets best, in general). Once you get a policy, you'll have it for life, there's no option to update it or everything your pet has been to the doctor for, will be considered pre-existing. Of course the policy monthly fees and vet service prices will increase but not your policy limits, that'll stay the same for as many years as your pet lives, and of course it'll buy you much less with time, there is no way of changing/updating your policy with your current insurance or any other. This is a trap.