I like how easy it is to submit claims but it is sooooo expensive! They raised rates by almost $50 this year. We’re paying more than $1200 a year and it really only covers 40% of vet appointments and they’ll only cover necessary vaccines. So if you want to vaccinate your dog with something that’s common in your area but not seen as necessary, you will be paying for it. I’ve never had to use it for emergency but it is a big reason I got the insurance. Thinking of switching to the emergency plan only. I think the wellness is perfect if you have a puppy or kitten because they help with a lot of the initial expenses. I’m not sure the wellness is worth it after your pet is full grown.