What suits us just fine is the 100.00 deductible. The sign up fee is 65.00 is a one time fee. After that it's just 33.03 monthly. I did a lot of research into every the pet insureance outfit there is out there. This is the best one for us. I never been sorry I got it. Embrace is next best but I didn't like the way they treated the difference between male and female just two dollars of a difference higher in cost towards the male.