I bought this ins with the wellness plan. You have up to $480 per year for wellness coverage. I understood that if your pet had to go in other than the annual exam, you would be covered. Not so. You can only use each one once as in heart worm pill, 1 UA, 1 blood panel etc. My dog goes in more than once a year as she is getting older and is requiring more care as in having more than one UA. This deductible business is per visit, not accumulative through the year. I am looking at other insurances as Pets best has been a real pain for me, I don't know why I even have it, as not much has been reimbursed back to me as there is always "something" according to them. I have stopped referring people to them.