Banfield Wellness Plan is not really insurance, but more of a plan through the corporation. If you want actual pet insurance, I would suggest VPI. My clinic does a lot with VPI and it is relatively simple and affordable. Check out the different plans they offer and make sure it suits you, then after you've signed up, this is how it works. Pet insurance is not like human insurance. You can go to any veterinarian, but the plan you choose selects what is covered and what is not.