Best wellness benefits out there especially for your first year when you are paying for lots of vaccines and neuter or spay. Spend $299 and get $400 in coverage just for wellness and it doesn't break it down by category as lots of other companies do. Instead of $15 for this shot and $30 for this medication, it is just $45 of reimbursement and you get to choose how you use it from vaccines, to monthly medications, to surgery. Very flexible and easy. Have not made a injury or illness claim yet but the refunds for wellness have been quick and painless. We did a lot of research and this is the best value out there.