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Banfield Pet Hospital Pet Insurance Review

98 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 Do We Rate Banfield Pet Hospital?

Breakdown

2.5/5
Coverage
2.0/5
Cost
2.0/5
Extras

Our Overall Rating: 2.3 / 5 (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 - 2.5 / 5

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
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
In-Network Only
Out-of-State Coverage
Yes
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 - 2 / 5

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
Annual

Reimbursement & Deductibles

Reimbursement - 2 / 5

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 - 3.5 / 5

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?

Cost - 2 / 5

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

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$33.95
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$23.95
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 - 2 / 5

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

Extras - 2 / 5

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
1955

What We’re Hearing From Our Readers
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Customer Comments

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S
sandy

8/11/2017
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.
1 People found this helpful.


B
Bernadette B

5/13/2017
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
1 People found this helpful.


Michelle S

3/20/2017
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.
1 People found this helpful.


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Nancy M

7/28/2016
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
1 People found this helpful.


B
Brandi B

7/8/2016
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
1 People found this helpful.


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Betty P

6/12/2015
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.
1 People found this helpful.


E
Elizabeth

1/13/2016
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
1 People found this helpful.


J
Joe R

5/26/2015
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.
1 People found this helpful.


gmortill

8/29/2023
Cannot emphasize enough what has been echoed below. I have paid faithfully into the Banfield Premium Wellness Plan for multiple animals over the past 12 years – never had an outstanding balance. Unfortunately, one of our dogs had some chronic medical issues which required specialist care not covered in the plan, so for much of his last year or two we primarily used the specialists but kept his plan active still “just in case” since he had had it since he was 4 months old. Well, unfortunately, he passed suddenly from a stroke a month or two after it renewed; and, as others have referenced, their defense is “it is on the contract” citing it does not make an exception for death. The rep... Read More
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sjay4456

5/11/2023
This Warwick facility and their Banfield Hospital health care plan is good in theory for healthy pets and if you do not need their services in any kind of hurry, such as with a sick animal. They certainly are not a "hospital"in the true sense and that is very misleading. Recently I had a very sick pet and they could not get me in for over a week and that was just a drop off, where I could not go in with my pet during the visit. I was refused an earlier appointment from the doctors as well. The Johnston store did accomodate me within 24 hours, and as it turned out misdiagnosed my pet putting her through 4 unnecessary days of sickness before she was euthanized at a proper animal hospital.... Read More
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