I was disappointed to see that you are only insures dollar for dollar with the amount you pay with well visits. It seems as though they take out andeductable as well so you could not use all your funds. It appears everything is well visit where there should be other categories, training should be different along with anal squeezing and other things. I found hardly anything falls under the major policy.Filing the claim was great once I found out my cell phone paper work didn't go through. The people whoo do the claims were friendly.