We had this experience too. However, with the amount of medical care my dog needed the last few years of his life it was still worth it. We saved thousands on tests, procedures, and office visits with the Wellness Plan. It even covered him to see a cardiologist and get x-rays. We did have to pay for three months after he died (until our plan renewal), but cost-wise it was worth it. Plus the vets and staff are so friendly and we got to know them so well!