The short answer
This is a recurring payment for a Banfield Pet Hospital Optimum Wellness Plan (OWP). It is a year-long preventive care package that splits the annual cost into monthly installments.
What is an Optimum Wellness Plan charge?
Banfield clinics, primarily located inside PetSmart stores, offer these wellness plans to cover vaccines, routine blood work, and physical exams. This is not pet insurance; it is a discounted bundle of preventive services paid out over 12 months.
The monthly charge automatically deducts from your checking account or credit card on the same date each month. If a payment fails, Banfield may suspend the plan's benefits until the account balance is made current.
- Check Your Plan Log into the Banfield client portal to see exactly which services are covered under your specific tier.
Is this the same as pet insurance?
No, an OWP only covers expected preventive care. It does not cover surgeries, accident treatments, or illnesses.
Why did my monthly fee go up?
If your pet moved from a puppy/kitten plan to an adult plan, or if Banfield raised base rates at renewal time, your monthly fee increases.
The difficulty of canceling Banfield OWPs
Because the OWP is a legally binding annual contract, you cannot simply stop paying or cancel mid-year without financial consequences. If you attempt to cancel early, Banfield will calculate the retail value of the services you have already used.
You must pay either the remaining monthly installments for the year or the retail cost of the used services, whichever is cheaper. The only standard exceptions to this rule are the passing of the pet or transferring ownership.
- Call Plan Administration Dial 866-277-7387 to speak directly with the wellness plan department regarding cancellation options.
- Calculate Payoff Ask the representative for the exact payoff amount required to sever the contract.
Can I just dispute the charge with my bank?
Disputing a valid OWP contract charge usually fails, as Banfield will provide the signed 12-month agreement to your bank as evidence.
How do I stop it from renewing?
You must contact Banfield at least 30 days before your annual renewal date to decline continuation for the following year.
Independent reference — not affiliated with Banfield. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Banfield OWP Terms https://www.banfield.com
- Banfield FAQ https://www.banfield.com/help-center?ref=unknowncharges
Reviewed Aug 31, 2026 · high · About UnknownCharges