The reason I am only giving 2 stars is for the lack of coverage for wellness care that you are paying a premium $ amt. I do not understand this. I am making sure my 2 puppys have received all wellness meds to date and now am seeing that i have hit a limit and will not get any money back. I am talking about flee/tick meds that have to be given every 3 months. Or, I got what I call "water shots" to prevent illness if they drink water while we are camping and become ill. So i guess you are just paying out on sever illness and emergency surgery. Makes no sence to me. I felt mislead when purchasing these policies.