As with any insurance, they are out to collect your premiums and not pay as much as they can on claims. My pet has a wellness plan on the regular plan. We went to the vet for a wellness visit, it was specified as a wellness visit, with yearly shots. Then we talked about my pet's dental needs and scheduled an appointment for a cleaning. The entire claim was labeled as an illness visit and the claim was denied. When I first purchased the insurance, I read everything very carefully, particularly dental cleanings. I believe changes were made from the time I purchased the insurance and the time of my pet's cleaning (about a year later) because there were things that were not included in the rules, if they were, I would not have purchased the insurance. Cancelling policy ASAP.