I have a 3 year old Boxer owned since he was 4 months old the length of time I've had him enrolled with Bansfield. This weekend before the X-mas holiday he had his first real emergency suffering a nasty dog bite to the nose from another dog through a chain link fence. Minutes before closing I contacted Bansfield seeking medical attention for my dog. Unfortunately this is when I learned the limitations of my contract and told quite plainly "Bansfield does not treat emergencies." I was referred to the local 24 hour veterinarian clinic. Some $250.00 after treatment Rusty is fine. However I ask myself if I or anyone else are at a place where they can cover such an expense why provide Bansfield a credit card for a monthly debit of $27.00? Consumer Reports advises against pet insurance, pet wellness programs infavor of putting aside an emergency fund for just such emergencies. Coincidently Rusty has a routine check-up this month (January) however I was told the credit card on file had expired and told to provide another card. My association with Bansfield ends with that expired credit card.