I had that problem with a hosting site. I took an option to have all of my uploaded pictures burned to a CD. Not sure that is an option, but if it is, you could at least have a copy of everything. I think it was around $30 for the service.

I am now able to host all of my photos on my website service Squarespace). It's unlimited storage as well as the hosting services for my site for only $200. Not sure how Photobucket will remain viable with that pricing plan......