I use Go Pet Plan, but they do have a 14 day period where you can't use it. They don't cover pre-existing, like others have mentioned. I love them personally. My cat had to have emergency surgery last month for eating some string that wouldn't pass, it came up to $1400 after everything, not too bad, I have a great vet who doesn't like to charge out the arse. I got all of it back since I reached my deductible already. I do have the Gold plan, and pay $350 a year with a $200 deductible.