Banfield pet insurance review May 2021

Last updated:  

An expanse of routine care services and product discounts for wide wellness pet care

  • Get a quote if you use Banfield products and services.
  • Pick something else if you can’t overlook the poor customer reviews.

Dogs, Cats

Pets covered

From 6 months




Up to 90%



Average monthly cost $39.78
In-network only Yes
Types of policy Wellness, Accident
Chronic disesase No
Cancer coverage No
Dental coverage Routine
Multi-pet discount $15 for each additional pet
Bundling discount Not offered
Paid in ful Not offered

Review by

Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Banfield’s wellness plans offer vast coverage for routine exams and tests, preventive medication and even X-rays or DNA tests to prevent health problems early. However, its pet hospitals don’t provide the most reputable service or vet care, leaving many customers looking for services elsewhere.

Because of its poor reputation, you might consider wellness coverage from other pet insurance companies instead.

How much is Banfield pet insurance?

Expect to pay anywhere from $25 to $55 per month for your pet with cats trending toward the low end of that range. These plans are more expensive than most wellness plans from pet insurers, which can cost $15 to $20 per month. However, Banfield does offer more covered services than what’s standard for wellness policies, plus free-of-charge exams for accidents or illnesses.

Banfield pet insurance quotes

We compared quotes for these pet profiles in Georgia, but costs can differ based on your location. What to expect:

BreedAgeGenderMaximum payoutWellness planMonthly rate
CatDomestic shorthair2 yearsFemaleReimburses for the cost of serviceActive$24.95
CatDomestic shorthair2 yearsFemaleReimburses for the cost of serviceActive Plus$37.95
CatDomestic shorthair2 yearsFemaleReimburses for the cost of serviceSpecial$45.95
DogMixed breed2 yearsFemaleReimburses for the cost of serviceActive$31.95
DogMixed breed2 yearsFemaleReimburses for the cost of serviceActive Plus$42.95
DogMixed breed2 yearsFemaleReimburses for the cost of serviceSpecial$54.95

Which discounts can I get?

This company offers extra savings for:

  • Medical services. Get between 5% to 20% off of medical services not covered by your wellness plan.
  • Multiple pets. You’ll see a $15 savings if you buy plans for multiple pets.
  • Product discounts. You can scoop up discounts for pet food and supplies bought from Banfield stores if you use its wellness plans.

How do I sign up?

You can sign up by starting a quote online or by calling 888-445-7387. If you go the online route:

  1. From the main website, click to view its wellness plans.
  2. Select whether you’ve visited Banfield hospitals before and enter other basic information. Click Next.
  3. View your quote, read coverage details and choose your preferred plan. Click Next.
  4. Enter your pet’s basic information and age. Click See My Rates.
  5. View your quote and customize the reimbursement and deductible. Choose your preferred policy.
  6. If you like what you see, click Next.
  7. Enter your own contact details and payment information.
  8. Start your policy.
  9. Submit your pet’s recent physical exam records and complete your waiting period.

Pros and cons of Banfield pet insurance


  • Some of the broadest wellness plans available. This company’s wellness policies go above and beyond, offering a variety of routine services without a deductible or maximum limit.
  • Free office visits and discounts. Banfield helps to seal the deal by offering no-charge office visits when you use its pet hospitals. Plus, you get discounts on the store’s pet supplies.
  • Network of 1,000 pet hospitals. Not many pet hospital chains exist, but you can find Banfield pet hospitals in over 40 states. This can help if you move addresses or travel with your pet and problems come up.
  • Flexible hours. If you need a vet accessible during evening and weekend hours, Banfield has you covered.


  • Poor customer service. Banfield has received hundreds of poor customer reviews with strong warnings against using its pet hospitals.
  • Doesn’t cover accidents or illnesses. While an exam may be covered, you’ll need to shop elsewhere for nonroutine care coverage.
  • Pricey policies. Because of each policy’s robust coverage, you’ll pay more than usual for wellness coverage. Weigh the pros and cons of Banfield’s other benefits to offset this cost.

Banfield pet insurance reviews and complaints

Banfield Pet Hospital holds an A+ rating from the Better Business Bureau (BBB) as of July 29, 2020, despite its many poor customer reviews. Nearly 700 customers have filed BBB complaints for the company from 2017 to 2020, a hefty number compared to most pet insurers who see less than half that number. It scores a 1 out of 5 stars from nearly 200 BBB customer reviews.

As further confirmation, about 80 customers have given Banfield a 1.7 rating out of 5 on Trustpilot. Reviews on both sites say that the hospitals overbook their appointments and don’t see pets at their scheduled time. This leads to longer stays at the hospital.

Also, a few customers have commented that their pets seem stressed at pickup or need to relieve themselves immediately after pickup, raising a red flag for pet care during their hospital stay.

What pet insurance coverage does Banfield offer?

Banfield offers strong coverage for your pet’s routine care at multiple coverage levels. Those include:

ServiceWhat it coversActive CareActive Care PlusSpecial Care
Wellness examsRoutine physical exam twice per year
Dental cleaningCleaning and brushing your pet’s teeth
VaccinesStay up-to-date on shots recommended by most vets
Fecal examsTesting for worms that may be infecting your pet
Screening for serious illnessesChest X-rays and electrocardiograms, designed for older pets
Deworming treatmentMedication to get rid of worm infections
Unlimited office visitsFree office visits any time you go to a Banfield Hospital for any reason
UrinalysisTesting for abnorrmalities, like a urinary tract infection

What add-ons does Banfield offer?

You can add a couple extra types of coverage to your plan:

  • Preventive medication. Add coverage for preventive heartworm, flea or tick control to your wellness plan.
  • DNA testing. Identify your pet’s breed and find any genetic problems they might have to help prevent health issues in the future.

    Alternatives to Banfield

    See what other companies offer for routine care as well as accidents or illnesses. That way you can pick the best one for your furry friend.

    Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
    Dogs, Cats
    For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.
    Dogs, Cats
    For as little as $10/month, cover unexpected vet bills, emergency exams and injuries, with optional wellness add-on.
    Dogs, Cats
    Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
    Pet Assure
    Dogs, Cats, Horses, Exotic pets
    Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
    Pets Best
    Dogs, Cats
    Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.

    Compare up to 4 providers

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