Banfield Pet Wellness Plans

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Does Banfield offer pet insurance? That’s a common question we get asked, and we need to clarify that Banfield offers what is considered a pet wellness plan, not a pet health insurance plan. We will review what they offer, explain the pros and cons and go over what you can expect if you choose a Banfield plan.

About Banfield Pet Insurance

Administered by Pets Best Insurance Services, LLC, Banfield pet insurance is underwritten by American Pet Insurance Company or Independence American Insurance Company. Banfield does not offer typical pet insurance. It offers Optimum Wellness Plans designed to keep your pet as healthy as possible. Your pet is treated at one of the more than 900 Banfield Hospitals.

Description of the Banfield Plans

Banfield offers a variety of wellness packages for kittens, cats, puppies, and dogs. Each group is also broken down into small packages so you can really customize your pet insurance. For instance, the Optimum Wellness Plan for adult dogs is offered in three packages: Active Care, Active Care Plus, and Special Care.

They each cover a lot of things, but the Special Care covers things the other two don’t, such as eye pressure tests, electrocardiograms, and preventative x-rays. The Optimum Wellness Plan for adult cats also offers the choice of Active Care, Active Care Plus, and Special Care. As is the case with the dog packages, the Special Care for cats covers a few things not covered by the other two.

With the puppy and the kitten Optimum Wellness Plan, you can choose from Early Care and Early Care Plus. The only major difference between these two is that Early Care Plus pays for spaying and neutering. There are also additional add-on plans you can add to your OWP plans, such as flea, tick, and heartworm prevention, and adult canine spay.

Banfield Pet Coverage

The coverage you’ll have for your pet depends on which plan you choose based on your pet’s needs and your budget. Banfield offers a wide range of coverage with their packages. Some things that are covered in all the packages include:

  • Comprehensive examinations
  • Unlimited office visits
  • Fecal exams
  • Recommended vaccinations
  • Parasite control
  • Discounts on any Banfield products
  • Virtual visits
  • Urine tests
  • Pet wellness exams
  • Behavioral issues
  • Cancer
  • Dental care

The plan that you choose will determine the cost and the coverage. Various factors determine the premium cost, including the type of animal, gender, breed, and the insurance package you choose. Here are some sample quotes for a few different cats and dogs.

On a policy on a four-year-old, unsprayed Collie, the premium would be $36.95 per month for Active Care; $49.95 for Active Care Plus, and $62.95 for Special Care. A policy on a four-month-old male Collie puppy would be $41.95 per month for a Puppy Early Care policy and $52.95 for a Puppy Early Care Plus.

A policy on a five-year-old unsprayed mixed breed would be $29.95 per month for a Cat Active Care policy; $43.95 per month for a Cat Active Care Plus policy, and $52.95 for a Cat Special Care Policy. A policy on a five-month-old female sprayed Siamese kitten would be $38.95 per month for a Kitten Early Care policy and $45.95 for a Cat Special Care Policy.

Does a Banfield Plan have Limits?

There is no waiting period to enroll. There are also not any limits like most insurance companies that reimburse you 70, 80, or 90 percent. If the service is covered under the plan, you will be reimbursed 100 percent of the bill. There are also no age requirements for your pet.


Regardless of which Wellness plan you choose, you will not have to pay a deductible as you would with traditional pet insurance.


Processing a claim is relatively simple and straightforward because there are no claim forms to fill out. When your pet needs veterinary care, just go to one of the various Banfield pet hospitals located in PetSmart. When you enrolled your pet in the Wellness plan, you most likely set up an account with Banfield and submitted your payment method (debit/credit card) so your pet is covered. Banfield automatically has your pet covered.

Additional Info on Banfield

The limits and coverage of a Banfield insurance policy might be different than most other pet insurance companies because Banfield doesn’t really offer traditional pet insurance. The wellness policies they offer are often purchased with other pet health insurance.

The difference between Banfield Wellness plans and traditional pet insurance is that pet insurance covers accidents and illnesses. Banfield Wellness provides preventative veterinary services to help keep the pet healthy, so it doesn’t have an illness or injury that requires veterinary care.

When you purchase an Optimum Wellness Plan, you have the choice of paying it annually or once a month with AutoPay. Pet owners who have more than one pet will receive $15 off for each additional pet.

Should I Choose Banfield or Regular Pet Insurance

If you are already a customer of Banfield, you may find that this is a good option for you. However, unexpected illnesses or accidents can always happen, and these plans won’t provide coverage in those cases. For that reason, many Banfield customers and other pet owners decide to get a full pet insurance policy, which you can get a quote for below.