Banfield Optimal Wellness Plan Review (2023)

Banfield Pet Hospital does not offer your typical pet insurance plan. It offers Optimal Wellness Plans (OWPs), which are preventative care programs for your dog or cat. With pet insurance, you pay a monthly premium, submit claims to your provider, and then receive reimbursements for your pet’s veterinary care. With an OWP, you pay a monthly (or annual) fee for preventative care services at Banfield Animal Hospital and receive a discount on future pet products and services.

Banfield offers five OWPs: two for puppies and kittens (under 6 months) and three for adult dogs and cats. Enrolling in a Banfield Wellness Plan requires that you obtain your veterinary care at a Banfield Pet Hospital facility. It covers routine visits such as biannual exams, vaccinations, diagnostics, nutritional consultations and dental care.

OWPs also have access to Banfield’s veterinary cat through the Banfield app. Vet Chat gives pet owners 24/7 access to live veterinarians when they need help making healthcare decisions for their cat or dog.

Early Care Plans for Puppies and Kittens

Early Care plans are available at two tiers: Early Care and Early Care Plus. These plans are designed to ensure your young pet receives the recommended vaccines, boosters, diagnostics and procedures to get off to a good start.

The Early Care Plan covers the following preventative care:

  • Complete physical exams (two per year)
  • Deworming (four per year)
  • Diagnostic tests (one per year)
  • Fecal exams (three per year)
  • Wellness consultation for pets (one per year)
  • Unlimited access to the veterinary cat
  • Unlimited interstate health certificates (for travel)
  • Unlimited office visits
  • Vaccinations (varies by state)
  • Virtual visits (two per year)
  • 5% off Banfield products and services

With the Early Care Plus plan, you will receive the entire Early Care plan, plus spay surgery and a 10% discount on Banfield products and services.

Acute and Special Care Plans for Adult Dogs and Cats

For adult dogs and cats, pet parents can choose from Active Care, Active Care Plus, and Special Care plans. These plans provide ongoing wellness coverage, including regular diagnostics and exams to help detect and treat any health problems your pet has before they become more serious and difficult to treat.

The following wellness services are provided with the Active Care plan:

  • Complete physical exams (two per year)
  • Deworming (two per year)
  • Diagnostic tests (one per year)
  • Fecal exams (two per year)
  • Wellness consultation for pets (one per year)
  • Unlimited access to the veterinary cat
  • Unlimited interstate health certificates (for travel)
  • Unlimited office visits
  • Vaccinations (varies by state)
  • Virtual visits (two per year)
  • 10% off Banfield products and services

The Active Care Plus plan includes everything listed above, plus one professional dental cleaning per year, urine tests, and a 15% discount on Banfield products and services.

The Special Care Plan was developed for animals suffering from chronic illnesses or requiring frequent diagnostic testing. This plan includes the entire Active Care and Active Care plus plan, as well as EKGs (two per year), eye pressure tests (two per year), and preventive X-rays (three per year).

Banfield Wellness Plan Exclusions

All PTOs, except the Special Care plan, exclude veterinary care related to injury, illness or condition, including diagnostics, examinations, surgery and prescription medications.

Because Banfield Hospital OWPs only cover preventative care, care and treatment of any pre-existing conditions are also excluded.

Plan customizations

Banfield offers a few add-ons to its pet wellness plans for an additional cost, including the following:

  • Flea, tick and heartworm prevention
  • Sterilization surgery (also covered in the Early Care Plus package)

Since this is not an insurance plan, there is no deductible, annual coverage limit, reimbursement rate or waiting period. Your pet’s wellness coverage begins immediately.



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