I would suggest to not fall for their insurance program. If your pet dies they have a huge pay off fee to get out of the insurance program. My pet went in on a Thursday, sent home at a high cost with a bag of medicine and said to just bring back in Monday to check on him. My pet got worse, took him for second opinion and was told the dog should have been sent to ER right away. My dog, at age 6, died. I called Banfield and they are trying to now charge me to get out of my insurance policy. Not only am I dealing with my loss of my baby but now this.