Barely Using Your Wellness Plan
That feeling has a number. Banfield plans average about $52 a month — about $624 a year — while typical routine care runs about $225 a year for a dog and $160 a year for a cat (ASPCA figures as published by Insurify, October 2026). Banfield's own savings claim is conditioned, in its own words, on using every service in the plan. If you are not using them, the honest comparison is on this page — and so is the cheapest way out, which is not always cancelling today.
Cancel now at the lesser-of settlement; pay the remaining months to the end of the term, then stop; or turn the renewal off today and finish the year. When little has been used, the services side of the formula is often small — which can make cancelling now genuinely cheap. When a lot has been used early, riding to the term end often wins. The checker prices all three from your invoices.
Whatever you choose, the renewal switch is separate from the cancellation decision, and it lives in your account (MyBanfield, myVCA, or your Petco account). Turn it off while you think — you can revisit the plan; you cannot un-renew a year that has already started.
The line this site never crosses: What care your pet gets is a decision for you and your veterinarian. These pages are only about the contract and the money.
Every figure in this niche depends on your enrollment date, your payments, and the retail value of what your pet has used. The free checker computes your three options from those numbers alone.
One payment, yours to keep — the scripts, letters and playbooks the free checker points into. Everything inside →