bonniegrrl | Dog Health Insurance

So now that I have Sophie back in my life, I want to make sure she stays in it!
That being said, I've started to shop around for dog health insurance, and was wondering if any of you have it as well and can offer some advice?

The only Dog Health Insurance I know of is from ASPCA Pet Insurance.

Here are their rates for 3 different options:

Primary Option:
Includes: Accident/injury, hospital stay, X-rays, Surgery, Illness
Price: $16.61 a month
Max Plan Benefit: $8,000 a year/$1,500 a case

Advantage Option
Includes: Accident/injury, hospital stay, X-rays, Surgery, Illness, Standard Vaccinations, Annual Physical Exams
Price: $30.50 a month
Max Plan Benefit: $11,000 a year/$3,500 a case

Premier Option
Includes: Accident/injury, hospital stay, X-rays, Surgery, Illness, Standard Vaccinations, Annual Physical Exams, Flea Prvention, Advanced Vaccinations
Price: $54.10 a month
Max Plan Benefit: $13,000 a year/$5,000 a case

I'm thinking I'd go for the Advantge Plan, since I just quit the gym and my monthly fee is exactly the same amount. So I'm not spending any additional $.

What do you all think?