Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 8, 2021

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

Our team researched Banfield Pet Hospital’s coverage, cost, and customer satisfaction scores:

banfield pet insurance logo

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

  • 900 Hospital Choices
  • Wellness coverage that is very comprehensive
  • Very proactive approach to prevention coverage
  • Unlimited vet visits
  • No exclusions for any kind of treatment
  • No waiting period to enroll

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Banfield Pet Hospital Coverage

banfield pet insurance review

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:

  • Exams
  • Diagnostics
  • Surgery
  • Hospitalization
  • Treatments
  • Accidents
  • Illnesses
  • Cancer
  • Hereditary Conditions
  • Chronic conditions
  • Behavioral Issues
  • Unlimited Vet Visits
  • Dental Care

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.

  1.  The Essential Wellness Plan

This plan includes 2 physical exams each year, 2 vaccinations each year, diagnostic testing and de-worming.  And you get a 10% discount on all other Banfield products or services.

  1. The Active Prevention Plan

This plan includes all of the services of the Essential Wellness plan and annual dental cleaning and urine testing. With this plan, you get a 15 % discount on other Banfield products or services.

  1. The Special Care Plan

This plan includes these additional services to those in the Active Prevention plan: 3 ex-rays each year, 2 eye pressure tests, and 2 electrocardiograms.  With this plan, you get an additional 20% on other Banfield products 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.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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.

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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 PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

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.

Reimbursement Method

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.

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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.

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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 PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

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.

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Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

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