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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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Sophie P

4/6/2017
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
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G
Glori C

4/1/2017
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
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J
Jeni

3/23/2017
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.
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Cindy J

2/16/2017
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
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A
Adam R

1/30/2017
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.
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E
Eltina

12/12/2016
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.
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Shirlie G

12/9/2016
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.
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C
Chris

12/7/2016
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
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S
Scott J

11/17/2016
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
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E
Edbrock.btr

11/15/2016
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.
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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