I have 3 dogs and 2 cats insured for accident and illness, and the 3 dogs also for wellness. I did my research before selecting PetsBest and I think they had the best range of coverage and price for my needs. So far I haven't met my deductibles for any of my pets for accident or illness which is a good thing I guess. I decided that it wasn't worth it to get the wellness plan for my cats because the annual coverage total is less than the total annual cost. For one of my dogs, he had his teeth cleaned and thus I the wellness paid for itself. For my two younger dogs the annual wellness cost is more than the total reimbursement I will get (PetsBest coverage for vaccinations is totally inadequate; most of the reimbursement is for services like spaying that once does only once in dog's lifetime; coverage for teeth cleaning in only 1/4 of the cost by my vet), so I am thinking of dropping this part of the plan. On the other hand, they are great for covering meds for new conditions. One of my dogs needs Apoquel for severe allergies and reimbursement covers the cost of her illness plan.