I purchased both the Dental and Wellness Programs - what I refer to as "riders" of my accident insurance. The dental portion is self-explanatory; the wellness covers the special diet food that my girl needs for her allergies, as well as anal gland expression and/or ear problems. Since she suffers from both in association with her allergies, I save slightly over $100. on each program per year. I can add that $200. (both programs) towards her other insurance concerns. I received the payment within a few weeks and the customer service was excellent. I only wish a dog's age would not be a consideration for illness insurance if they receive a clean bill of health by a certified veteranarian.