My policy covers the wellness check and preventive meds, the monthly premium really pays itself off throughout the year. The ER visit sometimes happens but I am never worried about the cost because most of it is covered by the insurance. I want the BEST for my dog and I would not want to be in a position where I need to choose between my dog's life and the lack of funding. The customer service is amazing, I spoke with a young man named Brice, he was so professional and sincere. He said he'd follow up on my question, and one week later he really called me and I could tell that his supervisor and he were working hard to answer my question. I felt like they understand that my dog is my baby, not and I am just not a business profit to them, I felt that sincerity and kindness towards my affection for my dog. I would stay with this insurance company as long as my doggie is around! This was the best decision I've ever made, now our dog can get the best vet care I can possibly give without worrying about the expenses!