Pet insurance is very helpful. Submitting a claim can be difficult since there are no examples of each claim type nor is there an option asking the insurance to file under the most suitable type. Good and responsible pet owners are punished for taking their pets in for an annual wellness before the actual due date for a wellness exam. Having worked in a vet clinic before, it is extremely difficult to get good and well-meaning owners to bring their pets in before vaccines are due. An example being rabies vaccine; in most places to qualify for a 3-year rabies shot, the dog must have their vaccine updated the day before the due date at the lastest or sooner. My dog needed a check up for allergies. Things got more involved and it turned into a wellness exam with bloodwork, a out a month or so before her yearly wellness exam was due. It was in preparation for a dental cleaning, one dental extraction, and a mass removal with histopathology. As a result of being a proactive pet owner, $55 from a $703 vet bill is all I am reimbursed (this does not include the cleaning and surgery). I very much am appreciative of being able to afford and have pet insurance, but it needs to act less like human insurance when dealing with yearly wellness exams and prevention. Prevention is usually purchased twice a year in 6-month increments; once a year prevention purchases are most likely a 12-month supply.