Having a Wellness component in my Cairn Terrier's health insurance is kind of like having a savings account in that you know you will spend that much every year. In Skye's case we have $200 in wellness. Last year we used it to pay for office visits and flea supplies. This year it went towards Skye's spaying. Their service has improved greatly since being going through ownership transition. This claim was payed within a week and a half of her operation.We had an ex-ray earlier this year because Skye ate something that caused gastric upset. She had no obstructions. The $250 charge was applied to Skye's deductible so I can't really comment on payment on claims from major illnesses, knock on wood.