Be careful - the older your pet gets the more you have to pay. Our cat was 20 years old and only, thankfully, had to use them once and because of his age we had to pay 50% of the cost. If you miss a payment they don't find out why you get a letter basically saying if you don't pay by .....your policy will be cancelled. There could be a genuine problem why this payment was missed, pet passed away, problems with the bank etc. They lack people skills. At the end of the day all they are interested in is money.