The wellness plan is good for preventative care. My husband and I have purchased it four our cat (16) as well as our dog (2). For a puppy, the plan is definitely worth it. It covers all shots and vaccinations, as well as spaying or neutering. Those more than make the plan worth it. It also has free office visits and exams, something that can be great for a first time pet parent who has a lot of questions. When your dog is older, the continued vaccinations as well as dental cleaning make the plan worth it. We jumped our plan up to the max coverage for our dog to get x-rays covered, we will end up paying an extra $80 a year vs the $160 the x-rays would have cost, and can get two more sets of x-rays covered during the next year (hopefully we will not need to make use of this). The continued free office visits and discounted antibiotics has made the plan worth it. Our dog has chronic GI problems. One GI infection cost us only $30 to treat vs the $360 we would have had to pay without the plan. For our cat, he has a history of dental disease so the annual teeth cleaning are a huge plus. Their biannual comprehensive exams have also been a huge saver. Last time we took him in, they found that he had elevated white blood cell counts due to an infection. We were unaware that anything was wrong before the appointment. To treat him we payed $30 for the antibiotics and he had increased energy in just a couple of days. However, just to be clear, I would not classify this as an insurance. For example, our dog tore her ACL, we cannot get this covered by our wellness plan and have to go elsewhere.