Thanks for this balanced comment, by the way. I signed up for it the wellness plan. We are going to sign up for pet insurance going forward, but we just want a budgeted plan that takes care of the first puppy year. We're stable, but our specific circumstances (employer, neighborhood) could change in the next 6-12 months and we just want something that is consistent and available and takes care of all the first year things.

This option just looks like a good short term thing to make sure we're covered and consistent. I just wanted to dig for some more reviews of the South Philly and Cherry Hill locations. I am happy to budget and pay for most expenses up front and keep the insurance and/or credit options for emergencies.