Watch your wallet. Banfield never notifies you to renew your first annual contract, so you may think you are going month to month. Wrong! They renew it automatically and regard each renewal as a new 12-month commitment. Even if you signed the initial contract years ago, they won't let you go without paying through to your next annual renewal date and/or settling any "balance" that you have with them. The definition of balance is the difference between Banfield's wildly inflated list prices for vet services, and the discounted price that one actually pays if one is on one of their plans. Of course, the plan prices are the same as most other vets charge for anyone walking in off the street. I would advise anyone to just find a local vet to have a fee-for-service arrangement with, rather than signing up with this company. Account staf on the 800 number are threatening and belligerent. I agreed to pay the fictitious "balance" just to be done with them, even though they had never written me about such a "balance" before. According to the agent, their policy is not to notify anyone of outstanding balances until they send it to a collections agency. Seriously, he said that! After it was all done, he then refused to provide any confirmation that my account was now closed and would not even provide a name or reference number for our transaction. I will be checking my future credit card statements very closely to avoid getting further ripped off by this company.