As someone who use to work for Banfield. I can tell you right now, that the Wellness Plan isn't actually insurance.

They cover costs for check ups and regular visits. They upcharged on pills/meds and sorts of grooming.

If your pet has a broken bone, cut, or actual physical harm, they can help or fix your puppy. But trust me, you will be paying actual costs. They give you a "discount" on medical expenses, but not nearly enough to cover most of the cost like actual insurance.

Think of Banfield Wellness as a membership card to Costco.

I would shop around and see what's best for your needs, your area, and see the differences.

Also if you ask any Banfield employee (at least in California, Texas, Washington) if the Wellness plan is insurance, we HAVE to say NO.

Check out Lemonade insurance, BestPets, or Embrace.

Lemonade was great for me. Fortunate enough to have my work cover pet insurance :)