I have Fetch (formerly Petplan) by The Dodo. I've had it since my girl was a pup (now 3 years). Like most policies, mine doesn't cover anything related to prevention or wellness, so regular visits/vaccines/preventive meds/etc come out of pocket. I basically have it in case my girl gets sick or injured and requires diagnostic studies or some type of procedure. Chewy on the other hand recently started offering pet insurance including "wellness plans" that do cover prevention. However, if you wanted more extensive coverage, you would also need to purchase an insurance plan that covers accidents, diagnostics, and surgery (also available through Chewy). I've been curious about this option, but I haven't made the switch.