Wellness plans from Banfield are not the same as pet insurance plans. With Banfield’s plans, you are essentially pre-paying for the wellness services received at a Banfield Pet Hospital. Unlike ASPCA Pet Health Insurance plans, it does not cover any treatments for injuries or illnesses beyond office visits and limited discounts on some services. ASPCA Pet Health Insurance plans also do not limit you to a specific veterinary clinic or hospital.

ASPCA® Pet Health Insurance Banfield Pet Hospital
No Membership Fee Yes No
Freedom to Visit Any Veterinarian or Specialist Yes No
Emergency Care Yes No
Wellness Care Yes Yes
Coverage for Injuries Yes No
Coverage for Illnesses Yes No
Free Cancellation Anytime Yes No

Banfield Optimum Wellness Plan Comparison

If you’re considering a Banfield Optimum Wellness Plan, it’s important to understand that it is not a pet insurance plan. Banfield offers wellness membership plans, which allow you to purchase a package of preventive care services for use exclusively at Banfield veterinary clinics.

Type of Coverage

A Banfield Optimum Wellness Plan will only help you manage the costs of the preventive care services that are included in the package you select. But what if your pet gets hurt or sick? What if they need treatment for a behavioral condition or an alternative therapy, like acupuncture or hydrotherapy? With ASPCA® Pet Health Insurance coverage, you can get help covering the costs of accidents, illness, congenital and hereditary conditions, alternative therapies, behavioral conditions, and more. You can also add preventive care to your plan at a low additional cost. This coverage reimburses you a set amount for a list of covered wellness services without a deductible or co-insurance.

You may be wondering if such robust coverage is worth it. Of course, that depends on your personal situation, but you can start by asking yourself how much you’d be willing to pay for your pet’s veterinary care. If you’d want to give your pet the best care possible with less worry about the costs, ASPCA® Pet Health Insurance coverage may be right for you.

One accident or illness can cost hundreds or even thousands of dollars, especially if your pet needs surgery or hospitalization. Even if you can afford expensive veterinary bills, it can be reassuring to know that the ASPCA® Pet Health Insurance program will be there to help if something happens to your four-legged family member.

Plan Cost

Of course, the Banfield Optimum Wellness Plan will cost less than ASPCA® Pet Health Insurance, but that is because you are just purchasing wellness services. With ASPCA® Pet Insurance plans, you’re getting more coverage for your pet than just wellness services. The cost for your pet is based on a few factors, including your zip code as well as your pet’s age and breed.

You can customize your ASPCA® Pet Health Insurance plan to fit your budget and coverage needs by selecting your deductible, reimbursement percentage, and annual limit. For instance, if you choose a higher deductible, you will pay less for your premium. However, you’ll have to meet a higher deductible amount before you can start getting reimbursed. If you’d like to pay even less and only have coverage for accidents, you can choose our Accident Only plan option.

Membership Fee

The Banfield Optimum Wellness Plan has a membership fee, which you must pay every year when you renew your wellness package. ASPCA® Pet Health Insurance plans have premium costs but they do not have a membership fee.

Choice of Veterinarians or Specialists

With the Banfield Optimum Wellness Plan, you must visit a Banfield Pet Hospital. If you’re considering this plan, you should make sure there is one located conveniently near your home. You should also check their hours to see if they fit your schedule.

ASPCA® Pet Health Insurance plans give you the freedom to visit any veterinarian. This includes emergency clinics and specialists, such as pet dermatologists, cardiologists, and neurologists. There is also no referral or preauthorization needed for emergency care or specialist visits.

Cancellation Policy

You may cancel your Banfield Optimum Wellness Plan anytime, but you will be required to pay any outstanding charges for services rendered. With ASPCA® Pet Health Insurance plans, you can cancel your plan whenever you like, and we will refund your pro-rated premium for after your cancellation date. We will also process any claims that you submitted before your date of cancellation.

Comparison information is provided using publicly available information as of 7/1/2019 and is only meant to summarize program features, not a specific plan.

Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.