Banfield Pet Hospital Pet Insurance Review

Rating: 4.5 / 10 (Average)
52 Customer Comments & Reviews - see all comments
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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 - 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

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Customer Comments

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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
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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
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Patrick R
Birmingham, 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.
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Cynthia M
Tempe, Arizona

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
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Matt k
Crown Point, Indiana

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
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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
Columbia, 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!!!
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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
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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
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Betty P
Belleville, Illinois

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.
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  • Comprehensive illness and accident coverage
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  • Annual deductible (recommended)
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