Banfield Wellness Plan vs Pet Insurance

These two products solve different problems, and understanding the split helps avoid a costly gap in coverage.

What Banfield's Wellness Plan Covers

Routine, expected care only — exams, vaccines, and diagnostics performed at a Banfield location. There's no deductible or claims process because you're prepaying for known services, not being reimbursed.

What Pet Insurance Covers

Unexpected accidents and illnesses — broken bones, infections, surgery, cancer treatment — usually at any licensed vet, with a deductible and reimbursement percentage after you submit a claim.

Side-by-Side

• Where usable: Banfield OWP → Banfield only · Pet insurance → any vet
• Covers emergencies: Banfield OWP → No · Pet insurance → Yes
• Claims process: Banfield OWP → None · Pet insurance → Submit & get reimbursed
• Best for: Banfield OWP → predictable routine costs · Pet insurance → protecting against large surprise bills

Do You Need Both?

Many pet owners pair a Banfield OWP for routine care with a separate accident-and-illness policy for emergencies — see current comparisons on U.S. News' Banfield review. For plans that combine both under one provider, check our list of dog insurance with wellness coverage.

Read our full breakdown: Is Banfield Wellness Plan Worth It?