So far just submitted Wellness claims. In my opinion the Wellness plan is not worth spending the money on. $300 per year is all it pays and by the time you pay your monthly premiums your not saving that much money. Turn around time on processing claims is extremely slow. Customer service takes forever to talk to. But once you are connected with an agent so far they are really helpful and knowledgeable about the insurance. I have not had to use the accident or illness policy(which I hope I never have to)but it just gives me a piece of mind that my pet will have coverage. I am $500 deductible 80/20 and monthly premium is affordable.