After my baby Terri had passed away. I contacted Banfield to have them stop taking the money out of my bank account, and was informed that i would have to continue making payments throught out the rest of the contract. CONTRACT, what contract I didn't even know that I was signing up for some kind of contract. I have had the plan before with another dog and just continued over to this dog. But I will never do this again. By the way it is cheap to just take your pet to a Clinc to get seen and you will see the same vet.