I have the Petplan bronze plan ($8,000) with $100 deductible 0% copay, 30% specialist. You can pick and choose your deductible and copays. I don't know if it's because Molly had the pre existing SM or geographical or her age (2 1/2 at the time), but our premium is $351.

The premium is much less with more coverage than what we had with Petcare.