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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 is Banfield Pet Hospital rated?

Breakdown

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

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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J
Joy T

12/27/2022
Do not use Banfield Wellness Plan. After spending thousands of dollars to try to save our beloved pet. We canceled our plan because our companion passed away and Banfield tried to charge us an additional $459.00 because we renewed our plan. If you use Banfield, just know that you will not be able to talk with a vet and you will not be with your pet when they are being examined. Your pet will be taken to a back room and a vet tech will talk with you. If you love your pet - do NOT use Banfield!
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nawis.bakery

12/1/2021
The Banfield close to our home shut down and have been calling every Banfield that is within a reasonable driving distance only to be told they have no idea when they will have an availability. When I reach out to them to cancel my policy since I won't be using it they want to charge me all this money when it is not my fault that i need to cancel. They are not even taking walk ins and will have to pay a full emergency cost instead of using his insurance at Banfield.
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cisewskigene7

11/3/2021
Adopted a new 8 week old kitten. A couple of days later it had diarrhea, so took it to Banfield veterinary services. One of the techs said I should get the wellness plan from them to save a lot of money. Well it does not save you any money! They had my kitten for the whole day. They did a fecal test and a exam. The fecal test was negative and the exam was good. Gave the kitten a deworm, an antibiotic and anti diarrhea meds. Told me to give the kitten a gastrointestinal kitten food. Vet said bring him back in one week. Second appointment had the kitten all day again. Did another fecal exam that was negitive and this time said the kitten had something in his ear. Should have caught this in... Read More
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J
JOHN W

12/8/2020
STAY AWAY - They forced me to upgrade my plan to include X-Rays and then charged me another $100 to 'read' them. The vet said they had to send them out to a specialist. Turns out, it simply went to a different vet at Banfield. CROOKS!!!!
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Debra W

7/30/2020
they are charging me for the year for my pet who died in February! Why would anyone continue to pay for service they will never get if your pet died.
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carl.fullerjr

4/29/2020
MY name is Carl Fuller and our dog's name was Sam Fuller, he was 10yrs old. We took him to Banfield at the Georgia Mall / Hospital #0273. Our mini-schnauzer (Sam) was taken in for a simple health and wellness checkup. After his visit, they claimed he had a simple ear infection; he became lethargic, would not eat, and lost control of his bodily functions. We took him back in for help, only to find that they had found blood in his urine but ignored it, they let him sit there all day without so much as a drink of water, and prescribed PILLS for a dog that cannot eat! We took him to the emergency room, they immediately put him on IV's and did all they could to help, but it was too... Read More
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M
michael

2/27/2020
DO NOT PURCHASE a plan from this company. They are only concerned with scamming you out of your money. They prey on your love of pets/animals and make it virtually impossible to cancel the plan. They change the monthly charges without notice. They send out way too many meds just so they can "bill" your account so in the end if you try and opt-out they go back with the highly overpriced list of items that were"billed" to your account and inform you that you will need to pay the difference between the overpriced cost of services versus the monthly amounts paid under the plan. They should be investigated by the state AG offices for the way they operate.
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B
Barbara

10/26/2019
This is the worst plan on the market. It is fine if you just want to do the basic shots, etc...but you could get that done less expensively elsewhere. Every time you take your pet in, they will add something that costs $50-100 more. If you ever need urgent care, they will not help you. You then have to take your pet to another vet and pay their prices because this "insurance" only works at Banfield locations that won't help you in urgent situations. I tried to cancel this before their automatic renewal kicked in and they wouldn't cancel it, continued to charge my card to the point that I had to cancel my card and have a new one reissued, at which point they started harassing me because... Read More
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S
steph

10/15/2019
Took my dog here to update vaccinations after re-locating. Should have been a $50-75.00 one-time cost. I was socially pressured into a preventative care "Wellness Plan" I could cancel anytime without consequence. #FLORIDA. FYI. Most ETHICAL veterinarians do not push services and products that are not absolutely necessary. The wellness plan entitled her to annual exam, vaccinations, blood work, and a dental cleaning for $39.99/mo. Since the vaccinations my dog has acquired food allergies she did not have before. The wellness plan includes annual vaccinations but it is safer to opt for the 3yr. vaccines as there has been concern that some annual vaccines can have adverse affects. When she... Read More
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Kay H

9/17/2019
Disgusting response from Banfield. We have a pup that got injured and we needed to see a vet. This is the third time something came up and they couldn't fit us in. I asked to cancel my plan and they gave me the run around. One of the perks on this plan is that you get unlimited visits a year, when I told the guy that he said that the plan is for preventive only and that I have to go to an emergency vet if I want care. Now they're going to charge us if we want out of it, I want out of the plan because they're not holding up their side of the deal and now I have to find a new vet that will see my dog--WHY AM I PAYING FOR THIS???? Will review on every site I can find and I'm calling my card... Read More
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Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company