Enrolled my cat 10/14, $24.80 every month (of course ON TIME every month) is deducted from my checking account. Had mouth surgery 12/15 that cost over $1300, but since I also pay $30/month in Banfields (my Vet that I pay) “Wellness” plan, the amount was reduced to $750. After, twice, hearing they needed more notes and info from Banfield (red flag right there) for 2 and a half months, they finally said they refuse to cover it because he had a “preexisting condition” that, obviously, was never revealed to me. Hope your pet gets sick early in the month, because once they pay a few quota claims all the rest are DENIED. Just another Insurance company betting it’s too big of an expense and headache for you to sue them.