I'm assuming you are talking about their welness plan, right? I was unaware that they had a seperate insurance program, but maybe. I dunno, lol.
As a former petsmart employee and customer, I've known NUMEROUS vets and techs from NUMEROUS office locations throughout my city. I have NEVER been satisfied. There was 1 tech I really liked. Out of many. 1 vet I really liked, out of many.
Here is an answer I posted a few days ago to another question asked about vets. I'm too lazy to re-type, lol
"I've FIRED Banfield as a whole, not just one office.
We went in because my ex-boyfriend was a manager at PetSmart. Therefor, free puppy wellness plan = free puppy shots and free neuter.
We had Hannibal, the husky. Back when we were feeding dog food, he was extremely underweight, so we took him in. She asked what we were feeding, and when we said Blue Buffalo Wilderness, she stared back at us Blankly. "I don't know that brand, but Science Diet is a great food". *Forehead smack*. I understand that vets may not know EVERY brand of food on the market, but when your office is located INSIDE of a PetSmart, you might want to at least learn the brands of food they sell, especially when Blue Buffalo is the top brand they sell (I would say Eukanuba Wild, whatever their new food is, might match Blue Buffalo though)
Luther, our GSD pup, was extremely fear aggressive, but going through training and improving. On the first visit, he sat in the corner. The vet proceeded to crouch down 6 feet away, grab his leash, and start dragging him to her. It took me a second to get over the shock that someone was trying to drag my puppy across the floor (16 weeks old), and in that second he snapped at her face. She then proceeded to yell at us for having an aggressive puppy (like we chose that).
Luther was not only cryptorchid, but he had a hernia. The hernia was small, so we decided not to fix it when he was neutered at 6 months old (not my choice, it's the oldest Banfield will neuter with the puppy wellness plan). It was already going to be an invasive enough procedure without an additional surgical cut. When we picked Luther up, not only did they have to go through the abdomen to find the other testicle, but they had repaired the hernia without our permission. Luther came home with a 13 inch incision down his abdomen! They also charged us an additional 90$ to have it repaired (I did not pay the bill, therefor I did not notice this until we returned home). I was extremely annoyed, and decided to talk to them when we went in to have the stitches removed.
A week later, and he was back in because of an inflamed incision. A 13 inch long incision in a puppy's abdomens, and no antibiotics had been given to him to avoid infection. When we returned to the vet's office, they tried to charge us ANOTHER 30$ for both the office visit and the antibiotics. I demanded not only that charge taken off, but I demanded the 90$ back for the hernia repair. Finally, after a lot of hassle, we received our money back, and I will NEVER go to a Banfield again. Not only did we go through 3 different vets in that one office alone, but I have NEVER met so many stupid vets in the same company as I have with Banfield.
The nice thing about being a vet tech student is this... if you go to a vet's office for an interview and THEY haven't fired a CUSTOMER, then you should look for another job."
BTW, they charge a seperate fee, it's like a 35$ handling fee for if your dog is "testy" and needs a second tech to restrain him for 2 seconds while they give an injection or whatever. I'm CONVINCED they charge it for every dog, no matter what. We dropped our husky off for shots, EXTREMELY calm, well behaved husky, just loved EVERYONE. Always did very well for his shots. When we picked him up, we were charged the fee.
Now, commen sense and most teachings dictate that a larger dog (or most dogs for that matter) should have a second handler to restrain when giving injections or what not. Simply for the safety of all involved. They charge EXTRA just for doing the job PROPERLY and the way it should be done in the first place? I'm sorry, but forget that