I have only had the insurance for a year on a dog that is now 4 years old. All I have had is a wellness check and shots. I haven't received my check yet, but should get it soon -- the cost was under $100. The only reason I gave the pet insurance four instead of five stars is I would have preferred a few other options. For example, I would have liked to choose to add a higher monthly premium and have it cover dental ... or choose to have it cover dental instead of cancer. I didn't have insurance on my previous dog -- I didn't know it existed until he was 16 years old. What I needed to do, but couldn't afford, was his dental issues. Since a dog has to be put under in order to clean and/or remove teeth, I couldn't afford his dental care. My dog may not get cancer, but she will always have teeth. I would rather pay more for the option of a dental cleaning every four or five years if there have been no other illness or accident claims - or choose to give up coverage for other issues. Dental was one of the main reasons I bought the insurance and was distressed when I learned it wasn't covered.