We changed pet health insurance companies in May, 2015. Our previous insurance did not include wellness. We switched for the wellness benefit because our dogs, although 8 and 12, are very healthy. We were very pleased at the reimbursement we got for their annual physicals and their heart worm medicines. There is no deductible or copay for wellness and the limits should get us through the remainder of the year. We could not be happier with our choice of insurance.