With our pets being healthy, it did not make financial sense to keep paying the monthly premiums while still having to pay for wellness checkups and costs not exceeding our deductable of $200. For example, our dog was taken to the vet for a wellness checkup, for shots, and an ear infection with the total coming to over $200. Because the wellness checkup is not covered and the ear infection portion was around $100 (which was applied to the deductible), we paid $200 on top of the monthly premium. It was decided to put the monthly premiums in a "Savings jar" to be used for future wellness checkups and any other expenses for our pets and hope and pray for the best as folks did years ago. It would be good if Trupanion considered full or partial wellness checkup costs. Regarding communicating with the Trupanion agents, they were all very pleasant to talk with and knowledgeable about their products and your situation (even the late night/early folks). Your information is quickly gathered and presented in front of them AND there are no menu options to press (wish other companies could/would make it this easy to talk to a live person). Good company to work with. Thanks!