I have had Aspca insurance for a while and it only covered accidents and accidental ingestions. I decided to try Nationwide and got the premium one for $70 per month. It covers wellness checks and dental. I have had to take my dog Minnie to the vet three times since I got Nationwide in May. One for an abscess, then the recheck and then a cyst on her tail. My plan is you pay a $100 deductible per year and then you get 90% of your bill back. With the abscess being $199, I got $89 back. The recheck was $101, and I got $90 back. The cyst was$350 and I should be getting $315 back. I am very happy with the insurance and everything has been so easy. I have the VitusVet app on my phone and it pairs with Nationwide so you can file a claim through the app. You make a pet profile, search the vet and take a picture of the bill. It is so easy.