I had originally signed up for the Wellness Plan because Banfield was the nearest vet in the local Petsmart. My dog was covered by this plan for 3 years before she passed away this month. Not knowing better, I thought I was getting some sort of discount on the vet bills - at least enough to cover the $39.95 per month cost of the plan. Near the end my pet's life, I came to realize how incompetent the veterinary care was and I switched to another vet in the city. Showing the new vet the bills and charges of Banfield, she was shocked. According to her, Banfield was artificially inflating the prices to astronomic figures and then telling you how much you saved with the Wellness Plan. In fact, if I didn't have the plan and went to a normal vet, the costs would be the same. And she would have got much better care - and may still be alive. This thing is a total SCAM. Now that my pet has died, I am told that I still have to pay the monthly premium for 6 more months. SAVE YOUR PET - STAY AWAY from Banfield.