I'm in Australia, so probably not much help. I insure with Petplan for accident and illness, but not routine care. In the policy, routine care was defined as your annual checkup, vacc, worming, grooming etc. I haven't had to use it yet *touches wood*, but it's one of those things you hope to never have to use.
But yes, definitely look at the product statement/policy and know exactly what is covered and what is not.