1. It would be beneficial if claims could be submitted without choosing a category (for example having to select wellness or illness) because the claim sometimes falls under both categories or one category would reimburse more than the other. 2. There are supplements, vitamins, etc that some animals do much better in that RX. If you have the pets health as a top priority you should consider covering those. 3. You should be able to add coverage later on as needed (i.e. acupuncture or chiro) without considering everything a pre existing condition. Again, if the pets well being is too of mind these should be able to be added without "penalty".