there are 3 plans, basic, medium and expensive.. what you pay for is what you get. they dont cover the same thing twice, they will cover for surgeries, spays, yearly vet visits... they are like health insurance, you pay the bills up front, then submit them to the company, they reimburse you 80% max for your bills. i was paying $32 a month for jesse and sonny, and $28 a month for rufus.. they do not cover hot spots. you have to read the plans very carefully to see what is covered and what isnt, and there is a deductible to boot. i stopped it after a year.