Our team researched Banfield Pet Hospital’s coverage, cost, and customer satisfaction scores:
Our Final Grade = B
Banfield Pet Hospital Pet insurance is not pet insurance as we know it with the standard accident and illness coverage.
Their insurance is composed of a network of over 900 pet hospitals across the United States and Puerto Rico.
Their Optimum Wellness plans have preventative coverage with in-house hospital services to treat and care for your pets.
Many of the Banfield Pet Hospitals are located in PetSmart so the location and hours are very convenient and include weekends.
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Banfield Pet Hospital Pet Insurance Review: Top Highlights
Banfield Pet Hospital Coverage
Banfield Pet Hospital works very differently than the other pet insurance companies we have reviewed.
They do not have the typical accidental and insurance coverage but a network of Banfield Pet Hospitals that offer what they call their Optimal Wellness Plans.
These wellness plans are not only preventive but also include many services that are extremely comprehensive in scope.
And each plan allows you to have unlimited office vet visits and other services to keep your pet healthy.
If you are looking for only accident and injury coverage, then PetSmart insurance through Banfield is not for you as neither are included in their coverage.
All of their plans include a minimum of the following:
Banfield Pet Hospital Offers 3 Different Optimum Wellness Plans:
The plans are broken down by services offered and discounts that are applied to other treatment or services.
Within each plan, you can add services to the wellness options such as spaying and neutering, some chronic conditions and more for an additional cost.
Hereditary and Congenital Coverage with Banfield
All of their policies are preventative and therefore and hereditary or congenital condition that may occur is included as part of their wellness coverage.
Banfield Chronic Conditions
Chronic conditions that might occur in your dog or cat are also covered under all their wellness plans. There are some chronic conditions that might be limited depending on the findings of their veterinarians.
Real Cost Savings from Healthy Paws Clients
Healthy Paws saved his parents
The playful pup Samson tore his ACL in a lively game of fetch. After surgery and rehabilitation, Samson is back to being active and never turns down a game of fetch!
Banfield Pet Insurance Benefit Limits
With all of Banfield’s procedures, you are reimbursed 100% depending on the wellness pack that you choose.
Under all plans, you are reimbursed for unlimited vet visits, vaccinations and more depending on your level. This is really an excellent option for your pet to keep them healthy.
However, the downside is if your dog has a serious accident or unexpected occurrence that might cost you up to $10,000, you will not be reimbursed anything for that medical bill.
With any pet insurance plan, you would be reimbursed from 80 % – 90% of the bill after your deductible is met.
But if all you want is preventative coverage, then you are set.
Banfield will reimburse you 100% of each treatment or procedure you choose depending on the level or wellness option.
For example, you will get a 100% reimbursement for teeth cleaning for your dogs and cats if you choose the Active Prevention or Special Care plan.
This can be a real saving when teeth cleaning can cost a minimum of $800. And most pet insurance will not cover dental care except for maybe a few providers that have wellness plans.
Banfield Pet Insurance Deductible Type
There is no deductible associated with any of the plans since it is not pet insurance.
This is similar in scope to most wellness plans in other pet insurance companies, but Banfield provides many more treatments and services.
What Is The Cost Of Banfield Pet Insurance?
Banfield Wellness Plans are lower in prices than most comprehensive pet insurance plans.
However, you do not get the full coverage or reimbursement if your dog or cat has an accident or injury that falls out of their choice of listed treatments or procedure.
On the other hand, their plans are extremely straightforward and you have many hospitals to choose from.
Depending on the plan you choose, the average starting monthly premium rates for dogs is $34 and for cats $25.
You can also get discounts of up to 20% on almost all other non-wellness services and procedures at Banfield pet hospitals.
If you have more than one pet, you can get a $15 discount on the membership fee for the plan you choose.
Banfield Claims Process
There are no claims to fill out with Banfield’s wellness plans. You simply go to one of the many Banfield pet hospitals located within PetSmart and you are covered!
Banfield Pet Hospitals have an excellent reputation and with 900 pet hospitals, it should be pretty easy to find a location near you.
The reviews have been mixed with some people loving Banfield’s plans while other people have complained about not being covered for an illness like their dog vomiting and the tests associated with it.
Enrollment And Waiting Periods of Banfield
There are no waiting lists to enroll in their wellness plans which is similar to all wellness plans.
They also do not have any age restrictions but most of the hospitals recommend that enroll your puppy or cat after a minimum of five months old to get accustomed to preventative care.
If you do enroll your dog or cat prior to 5 months old, they have both kitten and puppy plans to accommodate your needs.
Questions and Answers
How can you decide on the best wellness option for your pet?
The wellness plans are broken down into different life stages of your dog or cat and the health of your pup or kitty.
The best way to determine the right plan for your dog or cat is to have a consultation with one of the veterinarians of Benfield Pet Hospital who can advise you of the best-designed wellness plan for your pet.
Are there any restrictions or exclusions under the Wellness plans?
Some chronic care treatment might be limited depending on the scope of the illness. Dental cleaning and some vaccinations are excluded depending on the plans you choose.
Real Cost Savings from Healthy Paws Clients
Healthy Paws saved his parents
Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!
Are pre-existing conditions excluded as they are in pet insurance?
No. For the most part, the whole point of their plans is to treat and prevent any existing or future illnesses and conditions.
When you make an appointment, the veterinarian will address these concerns and help their best to resolve them.
How does a wellness plan work for puppies and kittens?
When your dog or cat is very young, they have frequent vet visits for shots, spaying, and neutering as well as required vaccinations.
You can choose to sign up for one of the puppy or kitten plans that will cover all these treatments as preventative care.
Do their plans reimburse for prescription food?
You don’t get reimbursed for the food but depending on the wellness option you choose, you can get a 5% to 20% discount.
How long are the plans?
The wellness plans are one year and renewed annually, similar to pet insurance. And you pay either monthly or annually.
How can you get in touch with Benfield Pet Hospital?
You can reach Banfield Pet Hospital seven days a week at 888-649-2716.
Summing Up Banfield
Banfield Pet Hospital Insurance is a really excellent option for immediate and preventative care and there is a lot to like about the plans.
With free vet visits, vaccinations and many other things covered, it really is an excellent concept.
And if you are a frequent PetSmart shopper, these wellness plans can be a great option with their unlimited vet visits and discounts on products.
We would recommend, especially if you have a dog that tends to get in more accidents than cats, to consider purchasing and an accident only plan with another pet insurance provider so you are fully covered.
If you want to learn more about Banfield, go to their site where they have all their information about their wellness plans.
Banfield is a solid choice for pet insurance, they are right up there with some of the more popular options like Trupanion. If you want to see some other pet insurance plans to see how they compare, our list of the best 10 pet insurance companies can give you some more options.
Other articles you may find helpful:
- American Modern
- Banfield Pet Hospital
- Blue Cross Blue Shield
- Healthy Paws
- Liberty Mutual
- Pet Assure
- Pets Plus Us
- Pets Best
- Pin Paws
- VCA CareClub
- VIP Petcare