I only wish I have read these reviews before buying these Wellness program from Banfield. I know all about Banfield and how they do not pay attention there. My dog was getting examined there for lethargy and was told it is arthritis. Three weeks later we had to take her to a Specialty Center for splenectomy. Her tumor was the size of a cantaloupe. The arthritis may have been a problem but it was really because she had a tumor so big that it bleeds and causes the dog's lethargy. Our cat was prescribed something by the vet at Banfield and arrived in the mail from a compounding pharmacy in Arizona and we gave it to her and she threw up so violently all night. Needless to say, we stopped taking the dog there but still had 6 months left on the plan and we kept paying for it. It was a different story with the cat because they were responsible for the cat's demise and did not want to pay for 11 months remaining. The Banfield people won't stop hounding you by phone and letter demanding payment. Buyer's beware! You sign the dotted line and you will be responsible to pay for the whole year even when you are dissatisfied with the vet service there.