amspoelstra: The Banfield policy is just for Banfield hospitals. It is more of a discount program rather than an insurance policy. I pd some up front then did not have to pay for her spay, or her shots. The office visits are free no matter how often I take her.
Here is a link to the wellness plan:
http://www.banfield.net/health/owp.asp
click on the puppies or adult link at the top of the page it will tell you what is included.