Banfield Pet Hospital Pet Insurance Review

Rating: 4.5 / 10 (Average)
52 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from some partners. 
Learn more.
Banfield Pet Hospital is a nationwide network of over 900 pet hospitals that offers an Optimum Wellness plan instead of traditional accident and illness pet insurance. The plan offers in hospital services designed to diagnose, treat and prevent future medical conditions. These include head to tail exams, nutritional consultations, and dental care.

How is Banfield Pet Hospital rated?


Benefit Limits
Claims and Service

Overall Rating: 4.5 / 10 (Average)

Banfield Pet Hospital offers an "Optimum Wellness Plan" which allows unlimited wellness visits to any of the numerous nationwide Banfield facilities. This is a pro-active approach to identify potential problems in your dog or cat before they start. This is indeed a great idea, but seeing as no one can predict a serious accident, at least an accident-only plan is warranted. And since Banfield does not provide this, you'll have to get a separate plan from another carrier.

Banfield Pet Hospital Coverage

Coverage - 5 / 10

Banfield Pet Hospital does not offer pet insurance rather an "Optimum Wellness Plan." This is a preventative program that covers your dog or cat for head-to-tail exams, vaccines, early screening diagnostics, consultations for proper nutrition, and dental care at any of the more than 900 Banfield locations across the US and Puerto Rico. The wellness coverage is unparalleled protection, and also includes unlimited office visits. However, it can run around the same price as comprehensive accident and illness policies from pet insurance providers. Banfield operates 3 levels of wellness coverage.
Pets Covered
Coverage Types
Vet Selection
In-Network Only
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness
  • Breeding

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 4 / 10

Optimum Wellness Plans will pay 100% of each procedure depending on your coverage level. For example, vaccinations and comprehensive physicals are covered under all plans, but preventative x-rays and electrocardiograms only under the top plan.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 4 / 10

Similarly there is no reimbursement percentage as this is not pet insurance. Your Banfield discount membership entitles you to 100% coverage of all the routine and preventative care associated with your plan level.

Deductibles - 7 / 10

There are no deductibles associated with care under Banfield's Optimum Wellness Plan, just a membership fee. All procedures are covered 100% depending on your membership level.

Pricing: How much does Banfield Pet Hospital cost?

Pricing - 4 / 10

Banfield Optimum Wellness Plans are, by and large, a little less expensive that fully comprehensive pet insurance plans that do not include wellness. A Banfield plan may be an ideal addition to an accident only plan from another provider in order to ensure complete coverage. What's more, it is significantly more convenient than reimbursement-model wellness plans as they will have all your info at the hospital of your choice and there will be no claim process.

Starting Monthly Premiums

Rate Details:
Available Discounts: Discounts range from 5% to 20% depending on the plan level selected. Discounts are applied to nearly all non-wellness plan Banfield services and products. Customers can also enjoy a #15 discount on membership fee for multiple pets.

Enrollment & Waiting Periods

Enrollment - 4 / 10

Banfield enrolls dogs or cats of any age, and there are no associated waiting periods for care. The company believes it is important to establish the habit of routine preventative care before the puppy or kitten is 6 months. You can find the nearest Banfield facility near you on the website, get a plan quote, and enroll from there.
Min Enrollment Age
6 weeks
Accident Waiting Period
0 days
Illnesses Waiting Period
0 days

Claims & Service

Claims and Service - 4 / 10

There is no claims process for Banfield Optimum Wellness Plans. The hospital system itself has a long history of excellent customer care going back to 1955. There are numerous locations all staffed by vets trained in the most state of the art veterinary science.

Contact & Additional Information

Homepage URL
Headquarters Address
18101 SE 6th Way, Vancouver, WA, 98683
Mailing Address
18101 SE 6th Way, Vancouver, WA, 98683
Year Founded

What We’re Hearing From Our Readers
Are you a customer of Banfield Pet Hospital Pet Insurance?
Submit a comment and tell other people about your experience!
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments

Loading Reviews ...
Atlanta, Georgia

Do not take your pet to Banfield. Please read every website article and review, and you will NOT take your pet to Banfield. My dog almost died due to a toxic dose of anesthesia that he received during a teeth cleaning which was a service on the wellness plan. On top of paying for the wellness plan, I also wound up paying an animal hospital $1,200 because my dog was vomiting, had bloody diarrhea and wound up severely dehydrated. After spending hours on the phone speaking to everybody and anybody to try and get out of my wellness contract, I got screwed. DO NOT be sucked in. If this chain of hospitals was treating humans this way, they would be shut down! It baffles me that with all... Read More
Was this comment helpful?

San Diego, California

DO NOT SIGN UP FOR BANFIELD WELLNESS PLAN, IT'S A SCAM AND YOU WON'T BE ABLE TO CANCEL. It's also NOT an pet insurance. It's a SCAM. I took my dog to Banfield to do shots and the vet and staff sold me on their wellness plan with teeth cleaning. DO NOT DO THE SAME MISTAKE. They sell you teeth cleaning but tell you that they will call you during the time your dog is under anesthesia and tell you if there need to be more services. They said that some people end up paying thousands of dollars extra for the "oral surgery" and extractions but they can't tell you upfront when your dog would need. I had a bad feeling about it but didn't listen to my gut and signed up or the plan. I told them... Read More
Was this comment helpful?

High Point, North Carolina

Your rating is 0 with me I told twice to email me are text me when pay ment is do and I will 0ay it my self you refuse to you don't control my checking I do that's my money I work for not you and u never gave you my card number you saved and store my number when I pay the bill for my mom and and to me that is stealing that's is not ok with me so I at contacting the better business bureau and have something dun about it
Was this comment helpful?

Hudson, Ohio

I have had a horrible experience with Banfield Pet Hospital and Wellness plan. Short of it is you cannot cancel your plan or they will bill you for many many more months of plan. They send you to collections. They never have the same veterinarian twice. Customer service at the hospital is very poor. Customer service at the corporate level is very robotic and they never address your issues. The worst is they tried to take 3 teeth from my dog (but they were unable to get approval over the phone) The teeth are still there, six months later. Second opinion says there are no teeth to be pulled. They got me for a tooth on my other dog at $100.00. They are only after... Read More
Was this comment helpful?

Indianapolis, Indiana

I took my chihuahua to Bansfield for almost 4 years. I thought I could trust the vets, WRONG!! One day she was coughing and took her to Bansfield because I had the pet insurance. They ran all kind of test, even a heart scan and they diagnosed her with kennel cough. I asked how could she have this when she has NEVER been in a kennel or around other dogs?? Was told it just happens. Well after paying over $200 for services not covered under the insurance including a heart scan, she wasn't getting any better. I took her to emergency care and they found out she had a heart issue so I got her into a regular vet and she was placed on medication for her heart. Had I not had her checked again,... Read More
Was this comment helpful?

Nathalie H
Washington, District of Columbia

Never buy this insurance for your pet. It is a fraud. My dog ​​has to go under emergency surgery thanks to a bad procedure of a Banfield hospital. When his uterus was removed, they did things badly and now she has a serious infection. While my dog ​​was in this country and while I had Banfield, she was never followed up by a sonogram. My dog ​​lives in Colombia, S.A. and thanks to being able to go to a good hospital they could find the cause of the infection. Apart from this, every year they did the Lime disease test, it always came back negative and it turns out that my dog also has Lime. This disease is from the East Coast of the United States so she got infected here, not in South... Read More
Was this comment helpful?

Kim M
Philadelphia, Pennsylvania

I'm suing this company!!!!!! Make my score negative a billion stars. Scam!!!! PLEASE PET OWNERS DO NOTTTTTT LET THEM TREAT YOUR BABIES!!!!!! They messed with the wrong person!!!!
Was this comment helpful?

Rochester, Michigan

I chose this isurance plan for my cat after I had him spayed. I never used the service, only once when he got sick, otherwise it was a waste of money. I paid, 30 something dollars a month, and when I needed to take him in to be seen, I always walked out paying over 100.00 dollars, how does that work. Second time I ever had to take my cat, they did not know what was wrong with him and even though their company name is PET HOSPITAL, they could not treat him. I was told, your cat is going to die, if you do not get him to a hospital for animals. You mean like a Veterinarian, or like you? The doctor at the BANFIELD PET HOSPITAL said, this is not really a hopsital, instead it is only for... Read More
Was this comment helpful?

Harry W
Dayton, Ohio

DO NOT USE IF YOU NEED TO FLY PETS IN CARGO BELOW 45 DEGREES OUTSIDE! They are not willing to write any form of documentation to allow pets to fly in temperatures below 45 degrees on airlines. We paid for the banfield pet service for 3 years (20/month) without ever needing it really... when the time comes to need them, a few days before we move... they let you down. We are now at risk of having to leave our pets behind while moving, because they are unwilling to meet airline regulations for flying! Glad I spent thousands dollars over the years for a service thinking our pets were in good hands -- to find out Banfield doesn't support pets flying on airlines! Terrible terrible... Read More
Was this comment helpful?

Austin, Texas

Wow, I will never use this service again. Ive paid for this "Wellness program" for 9 years, and I just had to put my dog down 3 days ago. I called to cancel the program, and was told that I still owe 3 more months of payments. WHAT?!?! This was never explained to me 9 years ago when I signed up. Since I took him for his shots THREE days before he was put down, I still owe them????? They are the WORST. STAY AWAY
Was this comment helpful?

Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms