I was just told that my claim will be denied for a spay procedure. Because I had chosen Plan 4 and had been told I could select how to use the wellness portion, I thought it would be covered. I also discussed that question over the phone before selecting this policy. It is not listed as an exclusion so there is no way to know. The rep went through the list of what is covered under wellness, however it is not clear that this list is exhaustive when receiving the document initially. All the rep could say is" it used to be covered, but our policy changed..." It takes 15 days to cancel the policy and this will be my last premium. The staff is very scripted and no empathy even if they misled me. I read the contract, yet, the language is deceiving.