Our Banfield vets are wonderful. I have had my oldest dog on a Wellness Plan since she was a year old. She is now 13. As she aged, I moved her up in plan levels. I also have a 12 year old cat on the plan who we have had enrolled since she was a kitten and a 3 year old dog. All three have been healthy and well-cared for, though I will admit that Banfield doesn't hesitate to push the most expensive treatment options possible. However, the vets have always been understanding about my need to conserve costs with three pets. They have allowed me to order meds from an online pharmacy and give them myself to get better pricing and support. I am never sure if I am getting a good deal or not since people seem to always complain about Banfield, but I have been treated well. The contract states that you must pay out the year. Though I have heard that sometimes they will let you pay the full cost for all services used instead. Generally, it is cheaper to pay out the contract.