Banfield Pet Hospital Pet Insurance Review

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.

Rating: 4.5 / 10 (Average)
34 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from some partners. Learn more.

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.

Contact & Additional Information

Homepage URL
Company Phone
(866) 894-7927
Headquarters Address
18101 SE 6th Way, Vancouver, WA, 98683
Mailing Address
18101 SE 6th Way, Vancouver, WA, 98683
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating
BBB Rating
Year Founded
Start your review for Banfield Pet Hospital Pet Insurance

Latest Reviews

Based on customer reviews
34 Reviews
Loading Reviews ...
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

Start your review for Banfield Pet Hospital Pet Insurance