I Purchased this policy about 6mo ago with level 3 care (silver plan)and I elected the option for routine wellness care. I took my dog into the vet for his yearly exam and while at the exam the vet found that he had an ear infection. She treated the ear infection and did his yearly visited and gave his yearly vaccinations. When I submitted the claim to ASPCA they accepted the claim but filed the visit as under illness visit including the yearly exam. Which then get put towards your deductible (mine plan had $100 deductible) They filed no part of the exam under routine wellness even though that's all he went for. I was expecting they would have paid for the visit and yearly vaccinations and they treatment of the ear would have gone to the deductible but not the case. So my for my $192.00 claim I received $15.00. The claim also took over 1 month to complete. This plan is a total ripoff and this company will find any way they can to keep their money. Your better off to save the money monthly in a savings account.