Banfield pet insurance or wellness to me is an absolute rip off. When you initially sign up for it they tell you how it covers most of your visits to con you into getting a plan than they start racking up charges for crap that your animal really doesn't need. Their so called discount plan is a rip off. I even called to speak to someone in corporate and they are just as rude. They are way over priced. Their staff is slow, rude and crappy! Please do your reasearch before getting involve with this company! Their ratings are low for a reason! They are not worth the time or money!!!