Being on a fixed income this plan is the best.i never worry about paying for a office visit and depending on what plan your on even x rays can be paid. You will have to pay for meds but at a discount. All shots are included unless it's other than normal vaccines. I was on the plan and after 2 years went off. Then my dog got sick and I realized I didn't have the money to walk into a vets office. I was able to get back on the plan that day and see a vet. It's a plan I feel comfortable with. You can go to any Banfield hospital that's available to you.