I too have Banfield for our two hounds. There are several plan levels and we have the middle of the road version. 30 bucks a month for the both buys the yearly comprehensive and the six month checkups. Those are free with our plan, so if we took our dogs in once a year without the plan, it would be the same, so it's a wash. However, with our plan, we get half off of nonstandard type things, like emergencies (when Belle ate 16 of my wifes monthly feminine hygiene thingys--I'm a guy so I can't say it outloud or type it..) and we had to rush her in for the vomit shot, or when Tinker did a number on his lower back. Both of those were half price visits, so we saved some money. And you get basic visits for free too (those other than the yearly and six month exams and the emergencies) and if during those basic visits they need some work done, it's half price. Banfield has been pretty good to us but then again, it all depends on the quality of your vet, their medical equipment (in lab testing or sending out, MRI machines, x ray machines, etc), how big their staff is, etc. You pay for all that. So far, I can't complain, they have been good. Our friends and some family go to any old cheap vet and sometimes they get the service they pay for. Sometimes they get great service. Get 2nd opinions for our furry friends too! Shop around if you have too. What I find most amazing is that some of these vets are so high tech, hand-me downs from human medical technology really, that cats and dogs can get topnotch care (hip replacements, brain surgery, etc), better than what a human being would get in many other countries...