I have 3 wellness plans. 1 puppy, 1 kitten, 1 adult cat. I have had pets all my life so I know how expensive it is to get all their shots and to get them neutered. I know I have saved a lot of money for their first year stuff. It is not insurance it is for preventive care. I took my dog in because he keeps licking his paws, I am sure they could order blood work and a billion dollars of tests but they didn't first thing the vet said was to chance his food to Verus for a month and see if that helped. It did within 2 weeks, and it got rid of the tear stains by his eyes. I signed a one year CONTRACT and when I did they told me, as nicely as possible that it is a contract so if something happened or I give the pet away I would still have to pay the full year. If you have a puppy this is a no brainer. Does it include everything your pet needs No! Nothing ever does. I like my vet and the staff really seem to love my dog.