Banfield's Wellness plans are not insurance but rather a monthly incremental pay for the check ups and exams a dog or cat may or may not need. They have 4 tiers that vary in price according to what is covered, from the most basic to the most optimal. I had used Banfield for when I had my cat and they offered excellence service. Keeping me updated on what needed to be done and by when. I saved money in the long run and my cat had no other illness or problems so nothing extra was needed. Insurance companies ask for a lot and take a lot to get coverage. Such plans, like what Banfield offers, gives pet owners such as myself a way to do what needs to be done without the hassle and paperwork. I'd highly recommend this program to anyone but the first month is always the most expensive.