It's decent pet insurance. For the price I pay for insurance and the wellness plan there should be more value specifically in the wellness plan. Dog flu and lime disease shots are not covered and should be. Leftover money from other portions of the wellness plan should be able to fill in for those. Or cover the whole amount of the shot or vaccine instead of 60-70% of it. The reimbursements are usually delayed and take a long time. It was good I strange when I first joined and at that price point but increases in price has dwindled the value that was one there. I have been looking for better pet insurance recently that offers more value and quicker reimbursements/customer service.