I too have the wellness plan for my three pets (2 dogs & cat). The thing about it is it is a "wellness" plan not to be used for emergencies. If you are taking care of your pet hopefully you would never have am emergency. I routinely get calls from Banfield reminding me to bring my pets in for periodic checkup and the their vaccines. Recently we found out that our big dog had heartworms. The vet was truthful with us and told us up front if we wanted treatment it would be expensive. She also let us know that the treatment medicine was hard to find and that they had only enough of the medicine on hand for one large dog. She suggested that if we did want to treat our dog it would be better to pay for everything up front as the medicine was used on a first come first basis. If we hadn't had the wellness plan the entire treatment would have cost us over $1,500 instead we only plan approx $750. The plan came in handy. The vet taking care of our big dog personally saw to his care and would tell us every step and what to expect. Our dog would stay at the vet for the entire day to make sure that he was ok. The next day we would get a call from them inquiring on how he was and if there was any problems. I've gone to regular vet but I have never had the care that the Banfield I go to gives us. The only problem they have is that even if you have an appointment you will have to wait to see the vet.