Banfield Pet Hospital Pet Insurance Review

Rating: 4.5 / 10 (Average)
39 Customer Reviews - see all reviews
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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 Specifics

Pets Covered
Coverage Types
Vet Selection
In-Network Only
Out of State Coverage
Commercial Pets Covered

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.

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

Reimbursement & Maximum Benefit Limits

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.

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

Claims, Service, & Deductibles

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.

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?

Starting Monthly Premiums

Rate Details:

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.
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 Age & Waiting Periods

Min Enrollment Age
6 weeks
Accident Waiting Period
0 days
Illnesses Waiting Period
0 days

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.

Company Profile

Full Name
Banfield Pet Hospital Pet Insurance
Company Website
18101 SE 6th Way, Vancouver, WA, 98683
Mailing Address
18101 SE 6th Way, Vancouver, WA, 98683

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

Latest Banfield Pet Hospital Reviews

Based on 39 Reviews from Banfield Pet Hospital customers
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Piscataway, New Jersey

This company is the worst and unethical pet insurance company out there and should be boycotted in fact Pet Smart should be ashamed that they have them in there stores. They are fraudulent and predatory. Poor customer service, practice usury, and beware of the fine print as they will bill you and renew your contract without authorization. Beware Beware Beware


Beware when you sign up for this service. If your pet dies you still have to pay for the whole year. I renewed my dog's plan and found out within a few days that she had cancer which they couldn't treat. They referred me to a different Vet. She later died and I found out I had to pay the remaining months on the plan or pay for the ONE visit I had which was $1600. BE CAREFUL with these people.

Heather G
Seattle, Washington

DON'T FALL FOR IT!!!! PLEASE DO NOT SIGN THE CONTRACT!!! IT'S a RIP OFF! They are preying on people when they are feeling helpless and scared with sick pets! They are a large corporation FOR PROFIT and THATS what they care about. Not you or your pet. Any good vets that work there move on because of this. (1) Our needed EXPENSIVE prescription was not available there or even ordering through them and I was not able to get any sort of a discount on it elsewhere. (2) Thyroid lab work was supposed to be covered but was not "Because their in-house machines do not work properly and they have to send them to an outside lab which is a separate charge". (3) Duplicate lab work was insisted... Read More

Joseph H
Clearwater, Florida

I read the reviews with great enthusiasm and the feeling I get is Banfield tries to "upsell" for servicrs not covered and brings on the "guilt trip" tp add additional pressure. This is particularly true with the male Vet at the Wesley Chapel Banfiled location. Unless you want the "used car salesman" approach to your pet care.. avoid the male Vet at this location. I am seriously reconcidering renewing my insurance plan at Banfield.

willie a
Merchantville, New Jersey

I initially signed up for my puppy to be nutured and 35 days later changed my mind, because they charged additional monthly installments that equaled 326.00 and other hospitals, nonmember rates were $136.00 Banfield refused to reimburse my first two months and took an additional two months before canceling the unused service. They SUCK and their staff is incompetent, specially customer dis-service headquarters.

Denise J
Greenwich, Connecticut

As a result of the incompetent staff (the vet), my 5 year old bull mastiff is dead...They killed her by mismanagement of her diagnosis. They try to suck you out of money charging you for services not covered in the wellness plan. They don't listen to your concerns and think they are doing you a favor. By the time I took my dog to a real veterinarian, they informed me it was too late. Please take your beloved pet to a real vet...not a revolving door pet cemetery

Denise J
Greenwich, Connecticut

As a result of the incompetent staff (the vet), my 5 year old bull mastiff is dead...They killed her by mismanagement of her diagnosis. They try to suck you out of money charging you for services not covered in the wellness plan. They don't listen to your concerns and think they are doing you a favor. By the time I took my dog to a real veterinarian, they informed me it was too late. Please take your beloved pet to a real vet...not a revolving door pet cemetery

Ocean City, New Jersey

We had insurance for our dog. Our dog dies and they still want to charge us for the remaining year. It does not make sense. We pay over $45 a month, the dog dies and they still want our money. It's incredible!!! Do not go into contract with them on a month to month payment. It's a rip off! They get you when the dog dies and you end up paying more for the services rendered. I ended paying over $500 to end the contract.

Jennifer M
Siloam, Georgia

The wellness plan is a joke. We have had the plan for over 10 years and our dog died this month. When I emailed them to cancel the plan they informed us that we would have to pay over $900 to get out of the plan or continue to pay the monthly installments for another 7 months. This is advertised as insurance, but is just a scam.

Mel W
Philadelphia, Pennsylvania

If you care anything about your pet stay far away from this place! It's a scam! They care very little about your pet, and a lot about money. I took my bulldog in to get his puppy shots and ended up paying over $500!! Stay FAR away!

Bernadette B
Missouri City, Texas

I WILL NEVER SPEND ANOTHER DIME ON THIS PLAN AS LONG AS I LIVE! I've had my dog since he was 6 weeks old, he's had some version of Banfield's Wellness Plan since he was 8 weeks old. I currently pay 55.00 a month. He'll be 7 next month (June). Besides his annual checkups, heartworm and vaccinations I've never needed to use the plan for emergencies (thank God), until today. My dog woke up this morning barely able to walk not able to maneuver my stairs at all and it seemed to worsen as the day progressed. I couldn't take anymore and finally called HIS VET'S office location and they would not see him. Apparently they were full the receptionist gave me the number to another location and... Read More

Crystal M
Jersey City, New Jersey

If I could give Bansfield Wellness Plan a zero I would. I have 2 yorkies and was looking for affordable pet insurance. Suffice it to say, getting the plan cost me so much more in the long run. Getting an appointment that fit my needs was impossible. I work full time and Bansfield Soho in NYC could never accommodate me. They recommended I visit any other location. One of my pets became very ill. I took him to the Secaucus location. Worst experience ever. After waiting 3 hours, I was told I couldn't be seen because the Vet on call was too busy. I took my fur baby to Metrovet and thankfully was able to get him the medical attention he needed. My bill was over $400 and because I went outside... Read More

Bud G
Sachse, Texas

We've been on their wellness plan for a year and a half. We like the fact that the program is preventative care as oppposed to "help my dog is sick". The veterinarians are educated from all over the world. They are very attentive and obviously care for our dog. I highly recommend this as opposed to insurance. This is the way humans should be treated as well. Preventative instead of reactionary.

Jennifer T
Orlando, Florida

After being checked in for his yearly wellness visit, the vet walked in, did not even glance at my dog, and immediately started selling me to renew the wellness plan for next year. I thought last year when it happened it was just a fluke, but apparently this is their business model. They do not care, at all, about your pet. They only care about roping you in for a guarantee of monthly payments for the next year. I felt like I was in front of a car salesman, not my pet's Doctor. A good salesman would have at least "pretended" to examine my dog before telling me what I need for next year. After all, it is included in my current PAID wellness plan.

Sophie P
Raleigh, North Carolina

They're not ever there for you when you have a real emergency. My chihuahua broken her left front leg above the wrist area! Called them and they say go to another. Never can walk in like they advertise, and on top of that they will charge you a one time fee every time you pay it in full instead of paying every month. Look out for this clause, if your dog dies, no refunds, but if you're paying monthly. Get this you have to keep paying for the insurance, and is not transferable to a new dog or cat. This is the worst insurance anyone can by. I did it twice, but believe me, I will not do it again!!!! Yes, it has unlimited office visit, if you can get in for an appointment, otherwise, your... Read More

Glori C
Miami, Florida

I feel that they are a big ripoff! I noticed prior to joining,how the staff was very warm and friendly towards me on my first visit with my puppy! After joining on my second visit ,it was totally different and the staffs attitude was no way the same as before! They were not friendly and less accommodating ! I was unhappy with the Dr.and after experiencing a incident with my puppy there who was only 2lbs and less then 15 wks old? I left and transferred to another clinic. After going to the new one all they kept on insisting for me to change my plan that would include neutering! I kept telling them he is still too young and I want to wait till he's a little older! Everytime i go there... Read More

Iselin, New Jersey

They raise the prices of absolutely every procedure/medication and then say you're getting a discount. The final price is still much higher than you'd pay at any other vet. They are good for wellness visits ONLY. If your pet is sick or needs treatment or medication they fully take advantage of you and expect more and more money. Your current plan never seems to be good enough and you're constantly being told you have to "upgrade" to the next plan, and the next, and the next. STAY AWAY unless you only need a wellness vet.

Michelle S
Birmingham, Alabama

Well after having a horrible Vet look at my pup and she went nuts when he touched her I wanted to cancel my insurance with them. Well that can't happen. It will coat me more to cancel that to keep it for the next 6 months. They get you coming and going. Even if I want my pups fixed Banfield wants 740.00 dollars when our local spay and neuter clinic is just 190.00 who is Banfield to ask for such high costs. I am sorry I did this program and will not do it ever again.

Cindy J
Fredericksburg, Virginia

My 13 year old Basset Hound was diagnosed with Lymphoma a few weeks ago. We've taken her to Banfield the entire 13 years. Over the past few days she's gotten worse, having trouble breathing. When I called on Sunday, I was told there were no appointments available. I finally convinced them to see her. She was prescribed a cough medicine. It didn't help, so I called back on Tuesday. I was told that they'd see if the Vet needed to see her. I waited several hours for a call back and it didn't come. I called back again and was told we could come get a Prescription for another cough med. She continued to get worse, so I called them back yesterday. I was told there was only one Vet in and no... Read More

Adam R
Fremont, California

I had my pet on their ,"plan" for 5 years. Big waste of $ but I love my dog. When I started shopping around I found better plans for less $. The staff at the Banfield in Santa Cruz have been awesome. The corporation has not been so. I will get Happy Paws or Nationwide catastrophic ins. For less and it covers more of the stuff we might need, like catastrophic coverage. For a ,"Pet Hospital" they do have to ,"refer" a lot if services to other Vets. Which doesn't really qualify a business as a hospital. You can get better for less. Shop around.

Stafford, Virginia

My puppy was only seen by Banfield for over 10 years along with 3 hospital stays recommended by Banfield. Yet he was not diagnosed with diabetes until I asked about his excessive thirst If this happened to a human, he could lose their license.

Shirlie G
Discovery Bay, California

They misdignosed my cat which ended up passing away. Now I'm stuck paying for 11 months of their wellness plan for a cat that is no longer here.

St. Petersburg, Florida

I took my cat in to banfield and the tech told me if my cat died tomorrow i could cancel. Well my cat died the following day and they keep harrassing me. I told them i am not paying for a scam and also what the tech told me. Rip off

Scott J
Kennett Square, Pennsylvania

I have had the Wellness Plan at Banfield for a couple years and have taken our dog there for routine visits, Like most other reviewers, I experienced all the added charges that weren't covered under the plan. Although it was frustrating, that is just the tip of the iceberg as far as my disgust with Banfield. Less than two hours after a "routine" visit for teeth cleaning and physical my dog was crying and obviously uncomfortable. As I was petting him, I felt two large lumps in his neck. I wasn't overly concerned until the following day when my dog wouldn't stop panting. I called Banfield to schedule an appointment to bring him in and was told they had no appointments but I could come in and... Read More

Baton Rouge, Louisiana

Not worth the money. Then once they get you signed up you're trapped. Also, if your pet gets really sick, they will send you somewhere else and none of the expense is covered. Don't even consider this plan.

Kia C
Littleton, Colorado

The ladies at the BANFIELD Castle Rock Colorado location were great! My senior dog ZOE received a nail trim there and they were so sweet to her and her nails look great! We'll be back :)

Clemson, South Carolina

I see why their ratings are low. I took my dog in for her first visit. I sceduled her for teeth cleaning, worm check, and eye exam. I paid well over two hundred dollars the first visit signed up for insurance which was a nightmare. They called me and stated my account information was entered wrong to deduct my monthly payments. I gavve them the info whic the called again with the same problem. I went online. Set up the accounnt they never took payments out. I called them gave info to them told them I set the account which they confirmed. I'm getting bills for payments? I called the hosp. Where I took my dog and I was told I did now owe anything so I could drop the plan. I called to drop... Read More

Mayvelin R
Fort Lauderdale, Florida

Never thought I would find myself writing a review, but I feel as if I have to help others and open their eyes. On October 18th, 2016, I took my miniature schnauzer, China, to the Pembroke Pines Banfield Pet Hospital for a routine check-up. I mentioned to the front staff that her appetite had decreased, but figured it was due to her 12 years of age. They called me a few hours later to inform me that China had an infected uterus and it had to be removed or she would eventually die. I found it suspicious that her daughter, Salty, had just been there a month before her and suffered from the same condition and had to have emergency surgery to have her uterus removed as well. I payed 1,100 for... Read More

Patrick R
Maylene, Alabama

Do not ever go to this hospital. I chose this one over the ER vet because of convenience. They over charge on everything but extremely overcharge on certain things apparently. I was charged $133 for a CBC to give my dog pain meds that turned out to be anti-inflammatories. My bill was doubled by the CBC. The ER vet would have been cheaper by far.

Cynthia M

It has been a "Nightmare!",especially financially, dealing with Banfield Wellness Pet Insurance. Back in May of 2016 I contacted Banfield to cancel my dog's wellness insurance, as it was up for renewal in June. The CSR said she would take care of it, but gave me a free month to think on it. I'm assuming, it was in the hopes I'll forget to call back within the time period, and be stuck paying for another year or decide to keep insurance for an additional year. I took advantage of our agreement and brought my dog in for a refill on her allergy medication. When I called mid July to cancel, they informed me that the appointment wasn't covered and I owed them money, even though my insurance... Read More

Matt k
South Elgin, Illinois

Well I will say I jumped the gun in writing a positive review. I will absolutely never take or recommend anyone taking their animal to Banfield ever again. I have a 10 month old RESCUED puppy that I thought may be having an allergy issue so I called on a Monday. They said I could not get an appointment to bring him in until the following Wednesday. Initially I said I would wait but it just kept getting worse. I called back in the afternoon the next day to see what options I could do and when I asked if there was anything sooner they said I could bring him for a morning drop off and pick him up around 4 pm and I expressed I did not want to leave my dog in their kennels in the back... Read More

Kalua L
Richardson, Texas

I have had this insurance for about 3 years. Last year we got a puppy and added him to the service. When we decided to move we called Banfield because we had to give the dog away as we were moving into an apartment which doesn't take dogs of his breed. We asked to cancel the plan. After going through several people I was told that the service was separate and I needed to call another number. I tried numerous times and got the same run around conversation. They basically wanted me to keep paying. One operator told me that I would just have to pay the balance that I owed that I used from our puppy's last service. She said that she couldn't take the payment however and gave me an 800... Read More

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Chase S
Orangeburg, South Carolina

I don't know what I would do without this world class organization. Their representatives are in a class of their own. Thank you guys so much for taking care of me and my furry friends!! Luke, Boog, Charlie and Ping are all very grateful For you as well!!!

Nancy M
Saint Paul, Minnesota

We purchased the wellness plan for our Yellow Lab Puppy, Beau. Included with the plan was his flea/tick & mosquito repellant ~ FirstShield Trio. My dog vomited and was lethargic after we applied it. When I looked it up online I discovered that it's been making dogs sick AND many are dying. There's a class action lawsuit in the courts now and Banfield has an exclusive contract with the manufacture which is why they continue to use it. We took the 2 doses we had to Banfield, explained that it was making Beau sick and asked if they had something else we could use. We were told no ~ that was all the plan offered. They could refund the money for the 2 we returned and take it off of... Read More

Brandi B
Fountain Hills, Arizona

I currently have 3 pets on the Banfield Wellness Plan. I had an additional pet, a stray that I took in. I added him to our plan, an additional $39.95/mo, because I believed that he was going to be a part of our family. We could not keep him, and after 9 months of paying $39.95, I called to cancel the plan. I was informed that their policy had changed and I needed to pay an additional $104 to cancel the plan. So, if your pet dies, you are screwed. You will owe FULL PRICE for any services you have used during your membership. There have to be better options out there. Even if there aren't, I'd rather pay full price for vet services than give this company any more money. I will be... Read More

Bell, California

Banfield Veterinary Hospital on Eastern Ave Silverado Ranch Las Vegas NV inside PetSmart. CRUEL HEARTLESS GREEDY EVIL !!! My 16 year old cat had to be put down and I called Banfield to make arrangements. I was quoted $150 for group cremation and $239 for private cremation with ashes returned. I arrived shortly after and chose the group cremation. They checked me in and needless to say I was sad and grieving. As they proceeded, no one there showed any compassion, like robots. When the doctor came in to euthanize I questioned if I was doing the right thing. She snapped back at me saying without examining him she didn't know what was going on but agreed it was his time. Banfields ad said... Read More

Betty P
St Louis, Missouri

Went 3 times new vets seemed to do the same tests and exam each time. The company failed to link eft payments each month. Called to fix. By 5th month we had inadvertently missed payments. They canceled us and payment was due for all the visits. Not a good plan.

Joe R
Plymouth Meeting, Pennsylvania

When my dog died of cancer I still had to pay most of the remaining amount of the contract. I would understand that if i just dropped the plan but to make me pay for a deceased pet is ridiculous. Oh and when I brought my sick dog to Banfield they told me to come back in an hour, they're going to lunch. We recently rescued 2 more dogs and needless to say I will not be going back to Banfield.

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