Just make sure you read the fine print on these contracts....Heaven forbid if your little one dies for whatever reason it is my understanding they will not let you cancel the contract and you must continue to pay.
Some banfields are good but you also need to check out their reputable for the one you want to go to.
Also double check what happens if you have to go to an emergency vet...will they cover any of that?
Good Luck with your decision..
It is so hard to try and save $$$ and do what is right for your little one...