This is my first experience with pet insurance, so I did quite a bit of research before choosing a plan. I really like the wellness option of this policy, it is similar to a health saving plan with the insurance kicking in 50% of the benefit - can't beat that. I have submitted one claim for my puppy's first vet visit and my entire visit was covered by my Wellness benefit. I appreciate the personal communications I receive from the company and also today I received an alert about dog food recalls, which was very timely, since I am in the process of transitioning to a new kibble. I am liking this insurance and will recommend it to my vet.