I had this wellness plan for my dog and wanted it ended after a year. I told them this, yet they did not end my plan. I had to then call my bank, tell them what was going on, get them to block Banfield from taking money from my account and then see what they could do about reimbursing the fees withdrawn. Now, I have a collection agency trying to get the money for a year's worth of a plan that I did not want in the first place, or it will be reported on my credit- first time I have EVER had anything sent to a collection agency and it would be the first time I have had a negative report too. So, I now have to pay for something that I didn't get service for, and did not want to continue after the first year, or my whole credit will be messed up. AWFUL COMPANY. They are liars, do not do what they say, and just want your money! Save the trouble and worry and sign up for care credit with a vet office- make payments, no contracts, and MUCH better deal!