Wellness Plan for a Senior Pet

A senior pet on a wellness plan: the contract questions, answered straight.

Owners of older pets ask the hardest version of the plan question, and they deserve the contract answer without a sales layer. The money facts: top Banfield tiers run $79.95 a month for a dog and $66.95 for a cat in published quotes ($959 and $803 a year, Insurify, October 2026); VCA's Senior and Senior+ tiers are priced clinic by clinic with no national list. The contract facts that matter most at this life stage are the renewal date, the settlement formula, and what the plan does if the worst happens — each covered below in dates and dollars only.

Run the free Exit Checker

Know your dates cold

Your anniversary, and the day to act by — act at least 30 days before the anniversary on a Banfield plan; VCA states renewal can be turned off in myVCA up to 1 day before, and the advice here is to do it weeks early anyway. A renewal that starts is a new 12-month term with a new settlement.

Know the settlement before you need it

Run the checker now, while it is only arithmetic: the lesser-of numbers for Banfield, the two candidate numbers for VCA. Owners who already know their two numbers make calmer decisions in a hard week than owners meeting the formula for the first time on a phone call.

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.

Keep going

Your numbers, not a generic answer

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.

Included in the $39 Exit Kit

  • Per-provider exit playbooks: Banfield in full, VCA negotiation-led, Petco short — who to contact, in what order, and what to say
  • Phone and written cancellation scripts, including the itemized-breakdown demand: "read me the retail value of services and discounts used, and the total payments made"
  • The pet-death compassion-escalation pack: clinic, plan relations, written complaint, BBB, state attorney general — with documented outcomes labeled as reported, never promised
  • Moved, rehomed, and clinic-closed playbooks — the paperwork each situation actually turns on

See the $39 Exit Kit

One payment, yours to keep — the scripts, letters and playbooks the free checker points into. Everything inside →