I don't understand why so many people are complaining. You sign a contract for a year for pet insurance. You receive a lot of services up front, vaccinations, teeth cleaning, check ups. Of course you have to live up to your contract. You are still paying for services you have already received. I think pet insurance offers great peace of mind. I appreciate the fact teeth cleaning is part of the services offered. Also, this is preventative care. If my pet gets hit by a car or develops cancer...I will pay more for his medical needs. I will get a discount but still...just like with humans....medical care can be costly. We just signed up for Banfield. The contract is very clear. My new pup received all of his vaccines, a full check up, and is scheduled to have his final vaccine and teeth cleaning. I will continue to pay for this month to month for one year. If my dog dies...I will still pay. I will be grateful for the services I received for my pet knowing I did the best I could to ensure a happy, healthy dog.