The Banfield Wellness Plan agreement and brochure clearly states items covered. These are "wellness" items. Exams, blood work, fecal tests, heartworm tests, and depending on which plan you choose, it also includes a neuter or spay, dental cleaning, x-rays and urinalysis. In addition, you receive discounts on all other services and medications. Nowhere does it state that it is an "Illness or Emergency Services" plan, nor does it claim in any way to be insurance. Also, if you have a pet has chronic issues, how nice it is that you never have to pay an expensive office visit fee. Did you ever buy a house or car without reading the paperwork. I hope not. You would be bankrupt!