Accident and illness coverage will cover all that accident plans cover, plus illnesses like cancer, hereditary conditions, and physical therapy pet care needs.

Learn more: ASPCA Review. United States Fire Insurance Company provides the underwriting for ASPCA, which was founded in ASPCA offers two plans of wellness coverage called the basic and prime plans. The prime plan includes a few extras such as flea and heartworm medication, a health certificate, blood tests, and urinalysis.

You have the option to customize your deductible and your reimbursement rate and annual limit. Learn more: Embrace Review. Embrace pet insurance has been around since , so you can be confident that it knows a thing or two about how to handle insurance.

Embrace recommends you start with a higher level of wellness plan coverage when your pet is a puppy or kitten and then decrease your coverage as needed, which only makes sense as your young pet will be needing lots of vaccinations at that age.

Learn more: Healthy Paws Review. Healthy Paws pet insurance has been one of the top-rated pet insurance companies from , according to its website. It stands out for its charitable giving and fast claim processing. In fact, most claims are processed in as little as two days.

Healthy Paws offers not only unlimited annual payouts but unlimited lifetime payouts as well, which is pretty impressive in our book. Healthy Paws is the only provider on our list that does not offer wellness coverage of any kind.

As you can see, the older your pet gets, the higher the deductible becomes and the lower your reimbursement rate will be. Not only can you customize your deductible and reimbursement percentage to suit your budget, but pet owners also have the option to purchase the accident-only plan for even more savings.

Prudent Pet has three levels of wellness coverage to choose from that are named corresponding to how much the plans cost.

It offers extras like coverage for Lyme disease vaccination and a wellness blood screening. Read more: Figo Review. The difference between the Basic and Plus wellness coverage options offered by Figo is the dollar level of benefits you can claim each year, with more expensive coverage including higher limits.

Dollar amounts refer to total reimbursement coverage for each service annually:. Read more: Wagmo Review. Wagmo offers three tiers of wellness coverage alongside comprehensive accident and illness plans in most states. Banfield offers pet wellness plans only, not pet insurance. Its plans are designed to help you maintain and keep optimal pet health with preventive pet health care.

It has three wellness plans for dogs: Essential Wellness, Active Prevention, and Special Care. The Essential Wellness plan covers vaccinations, diagnostic testing, a comprehensive physical exam two a year , fecal exams, and deworming. Active Prevention covers the same as well as dental cleaning and urine testing.

The Special Care plan covers the same as the others, plus preventive X-rays , eye pressure tests, ECGs, and a higher discount on other Banfield products. With Banfield, you can also add spay and neuter, parasite control, genetic analysis, chronic care options, and more. You will enter into an annual agreement, with the monthly cost spread over 12 months.

You can upgrade or downgrade at any time with your 12 months starting over from that point, and if you do cancel before the 12 months is up and you have used services, you are still responsible for paying for the services for as many months as that takes.

PetAssure is an alternative to traditional pet insurance, where it offers a discount on veterinary insurance. This works well if you have a pet with pre-existing conditions, need wellness care, and your plan does not have it, or you simply want to use a discount plan for your pet care needs.

VCA Care Club is a plan you can get directly through VCA that covers wellness care on a Schedule of Benefits. With VCA Care Club, you can get different levels of care, depending on if you have a puppy, an adult dog, a senior dog, a kitten, an adult cat, or a senior cat. VCA does not have a pet insurance option, so its coverage is purely preventive and diagnostic.

If any issues are found, those will need to be taken care of out of pocket. Most pet wellness coverage does not include a waiting period. Insurance companies put waiting periods in place for pet insurance policies to prevent animal owners from waiting until their pet is already sick or hurt to buy coverage.

Like pet insurance plans, pet wellness plans do not cover preexisting conditions. You cannot claim more services than your plan outlines in your list of benefits each year, even if your pet requires additional tests or exams due to an underlying condition.

For example, if your wellness plan includes a routine blood test, you cannot replace it with a blood panel for a pre-existing condition. Pet wellness plans are either a standalone or part of a bigger pet insurance plan as an add-on that covers routine pet care such as vaccinations, spay and neuter, heartworm tests, fecal screens, and more.

Typically, a pet wellness plan works by providing coverage up to a certain dollar amount. Some insurers will cover the full amount of care, and you will need to verify this before signing up and submitting claims, so there are no surprises.

Pet wellness plans usually do not cover things like accidents, illness, or injury. We recommend making sure that your pet is covered by an accident and injury plan along with a wellness plan. When we bring a new pet into our family, most of us make sure that wellness care is within our budget, but with the unexpected, we run into trouble.

Wellness plans typically do not factor into your deductible and rather are on a benefit schedule with an agreed-upon amount paid for certain services. Pet insurance plans cover accident and illness, emergency and specialist care, prescriptions , orthopedics, and hereditary and congenital conditions.

If you are interested in a standalone wellness plan, then there are options for you with Banfield and VCA Care Club, but if you are looking to add on insurance at any point, you may want a plan that has both wellness and insurance.

We took a look at some pet insurance companies to see what pet wellness plans they offer:. Wellness coverage gives pet owners a lot of bang for their buck when it comes to insuring their pets, especially for a puppy or kitten needing all those shots and vaccinations.

Adult dogs and cats will need extra coverage when they reach their older years as wellness visits and vet bills will start to increase. Look for extras that are covered, like grooming, heartworm prevention, and dental care costs to maximize your reimbursements.

Even if you are on a tight budget, you can easily find a wellness plan that works for your pet. If you are the type of pet parent that places importance on catching health issues before they arise, you will likely find pet wellness plans are a good value. Most of the base levels of wellness care plans will cover one wellness exam vet visit and up to three vaccinations per policy term.

Usually, these reimbursements alone can make purchasing your wellness add-on plans worth it. Most insurance providers have an online portal or handy app to upload your proof of purchase and start your claim. Or, you can simply download a claims form online, fill it out, and send it back in either via fax or mail.

Your insurance provider will review your claim and then, if approved, reimburse you either through direct deposit to your bank or by check in the mail. Pet insurance and pet wellness plans generally work the same way in that your pet insurance provider reimburses you for covered expenses. The difference between the two types of insurance lies in what is covered.

Your pet insurance will typically cover expenses related to accidents, emergencies, hospitalizations, surgeries, diagnostic X-rays, prescription medications, and illnesses such as cancer care and hereditary illnesses. Most mature pets will require a wellness exam once a year.

If you have an older pet, a puppy or kitten, or an animal with special care needs, your pet may need to see the vet twice a year. While some pet insurance providers like Figo include neutering in their wellness plans, this is not a routine inclusion.

To determine the best pet insurance providers, we conduct a detailed analysis of 38 different pet insurance companies operating in the United States and Canada. We put data from each provider through the same rigorous test, examining how each company performs in key areas that are relevant to pet owners.

Our seven criteria are then weighted to produce a total score. The best pet insurance providers offer coverage for a wide range of conditions at an affordable price.

They also feature flexible customer service, a long reputation of excellence, transparent policies and the ability to customize your pet insurance plan to your individual needs. You can read more details about our ratings and review methodology here.

In This Review: Compare the Top Providers The Best Pet Wellness Plans Reviewed Standalone Pet Wellness Plans Waiting Periods Preexisting Conditions What's Covered What's Not Covered Wellness Plans vs.

Pet Insurance Our Final Thoughts FAQs Our Methodology. Best Pet Wellness Plans for Routine Care Review Written by: Kim Albright. Edited by: Quartz Advisor Reviews Team Edited by: Quartz Advisor Reviews Team QZ.

Most Inclusive. Most Affordable. Most Experienced. Most Comprehensive Coverage. We reviewed rates and plan options from each pet insurance company to find the cheapest options for pet owners. com We then scored each provider on a point scale and divided the final score by 20 to calculate an overall rating out of 5.

Here are more details about the factors we considered for the cheapest companies: Monthly pricing 50 points : To assess pricing, we collect sample quotes for four types of pets. Providers earned the most points in this category for offering affordable coverage and a multi-pet discount.

Quotes were collected in all 50 states for all providers of the following pets: A 5-year-old medium mixed-breed male dog A 2-year-old large golden retriever female dog A 5-year-old mixed-breed male cat A 2-year-old siamese female cat Plan options 10 points : Companies offering accident and illness plans and accident-only plans earned full points in this category.

We awarded the most points for low-cost policies with unlimited coverage. Covered treatments 10 points : According to our survey of pet owners, coverage is one of the most important factors when shopping for pet insurance. Companies with a breadth of included treatments, such as alternative therapies and behavioral therapy, received more points in this category than providers with more standard or general policies.

Customization levels 10 points : Customizing your pet insurance policy can help lower your cost. Providers that offer more annual limit, deductible and reimbursement rate options earn the highest scores in this category. Wellness care 10 points : Companies offering routine care coverage within their policies earned the full 10 points.

Companies offering wellness care as an add-on coverage earned 5 points. Companies with no wellness care coverage earned 0. Waiting periods 5 points : Companies with a 2-today accident, illness and orthopedic waiting period received 5 points, day waiting periods received 3 points, and day waiting periods received 1 point.

To learn more about our rating methodology, read our full pet insurance methodology for reviewing and scoring providers. We averaged actual quotes from all 50 states for a total of sample premiums and obtained the following average monthly rates for four types of pets:.

There are more ways to find the cheapest pet insurance than simply shopping for the lowest premiums. We surveyed 1, pet owners with pet insurance to learn more about how much pet insurance costs, what customers look for in a policy and how to save money.

Here, we offer tips and tricks for lowering your monthly premium without minimizing the peace of mind that your furry friend is covered in the event of unexpected vet care.

No pet insurer will cover pre-existing conditions, which are injuries or illnesses a vet notices before your coverage starts. Insuring your animal at an early age is the best way to maximize your coverage and avoid denied claims. For example, Fetch offers an advantage by allowing coverage to start when your pet is just six weeks old — typically before many health issues present themselves.

For example, if you have a vaccinated indoor cat, you may not be as worried about the probability of illness. An accident-only plan would still cover accidental injuries from chewing cords, falling from heights, eating poisonous houseplants and more at a lower cost.

Most pet insurers allow you to customize components of your policy, enabling you to adjust the amount of coverage you receive and the cost.

Here are the key components of pet insurance policies and how they affect your bottom line:. Whether you have multiple furry friends or a history of military service, you can save money on pet insurance by selecting a provider with discounts that match your situation.

The following are common pet insurance discounts:. We recommend you get a quote from at least three pet insurance providers on this list. The cost of pet insurance can vary significantly depending on the level of coverage you want and the details of your pet, among other factors.

That said, our team collected and reviewed actual quotes from top pet insurers to find the providers with the lowest prices. We obtained quotes for the following pets:. Pet insurance can save you money if your pet experiences an emergency accident or illness and requires expensive veterinary care.

Here is an example. You consent to the treatment and file a claim. The following chart shows the amount an average pet owner can expect to save each year when they enroll in a comprehensive pet insurance plan that covers vet visits, medication, emergency care, vaccines, and spaying or neutering.

Monthly pet insurance costs in each state were found by averaging the price of 4 pet care plans for 11 providers for a total of 38 quotes averaged. The cost to own a pet was calculated through a Guides Home Team analysis of the annual reoccurring costs of pet care.

Our team only considered the pet care costs that would be covered by pet insurance in calculating yearly savings. Simply put, the younger your pet is, the cheaper it is to insure. This is because puppies and kittens are less likely to experience health complications than older animals and therefore present a smaller risk to insurers.

Some insurers even impose an age cutoff for coverage or charge more for senior pets. Additionally, it can be financially advantageous to enroll your animal before pre-existing conditions develop and exclude your pet from insurance coverage. However, whether cheap pet insurance is worth it for you depends on your needs and the methods you use to reduce the cost of coverage.

An accident-only plan may be worth it for a pet parent of an indoor cat but it might not be enough coverage for an energetic puppy with free reign outdoors.

Becky Simmonds, dog trainer and behaviorist at Breed Advisor, said, "Unexpected veterinary expenses can be very costly, and pet insurance can help cover these costs. If you are worried about being able to afford unexpected veterinary bills, pet insurance can provide financial protection for your pet.

Additionally, cheap pet insurance is not inherently inferior to more expensive options in terms of coverage and plan details. Our top picks in this article all offer full-service accident and illness plans that can protect pet parents financially after a wide variety of pet emergencies.

There is no special qualification for cheap pet insurance. Details about your pet, such as its species, age and pre-existing conditions, may determine its eligibility for any given plan. The providers on this list offer high-quality pet insurance at affordable prices , making it easy to find an excellent policy in your price range.

Lemonade consistently offers low prices across multiple states, but Spot or ASPCA may be a good choice for pet parents who want affordable accident-only coverage. Yes, wellness care add-ons can be worth it. Additionally, the average annual price of a preventive care add-on is less than these combined services.

There are pet insurance policies without deductibles. However, remember that some pet insurance policies with no deductible require a much higher premium. MarketWatch Guides Pet Insurance The Cheapest Pet Insurance Companies February Updated: February 05, Written by Mike Miller Written by Mike Miller Senior Writer Mike Miller is a writer with a decade of experience producing product and service content to help consumers make informed purchasing decisions.

Edited by Tori Addison Edited by Tori Addison Editor Tori Addison is an editor who has worked in the digital marketing industry for over five years. Reviewed by Dr. Patrik Holmboe Reviewed by Dr. Patrik Holmboe Reviewer Dr. Pet Insurnace Cost What Affects the Cost of Pet Insurance?

How Pet Insurance Can Save You Money Is Pet Insurance Worth the Cost? FAQs About Cheap Pet Insurance. Updated: February 05, Cheapest plans for dogs. Our Pick for Older pets.

Most Customizable Coverage. Our Pick for Savings. Did You Know? Why Trust Us? We update our pages regularly to reflect accurate cost information. Here are the five best and most affordable pet insurance companies we recommend: ManyPets: Cheapest pet insurance for Cats Lemonade: Cheapest pet insurance for dogs ASPCA Pet Health Insurance : Our Pick for Older Pets Figo: Most Flexible Reimbursement Rates Healthy Paws: Most Affordable Unlimited Coverage.

ManyPets Cheapest Plans for Cats. Compare Plans. Lemonade Most Affordable. ASPCA Pet Health Insurance Our Pick for Older pets. Figo Most Flexible Reimbursement Rates. Healthy Paws Most Affordable Unlimited Coverage.

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Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best

ManyPets is the most affordable pet insurance, with an average cost of $ per month, and cat insurance costs at $ and $ for dogs Wellness plans are best for pet owners who regularly spend $ to $ per year on routine care for their dogs or cats. If you normally spend that much on your Preventative teeth cleaning · Prescription diet food · Training · Routine chiropractic care · Reiki, massage therapy, acupuncture: Budget-friendly pet wellness packages

Our Pick for Older pets. Identification Reduced-price tropical fruits psckages lost pet retrieval and owner information. Related articles. Healthy Paws Most Affordable Unlimited Coverage. Compare Plans. Learn More. Free delivery is an added incentive.	Pet Insurance Wellness plans typically do not factor into your deductible and rather are on a benefit schedule with an agreed-upon amount paid for certain services. What Does A Pet Wellness Plan Not Cover? They also feature flexible customer service, a long reputation of excellence, transparent policies and the ability to customize your pet insurance plan to your individual needs. Pet Insurance Cost: The Definitive Guide. Prudent Pet Logo Best For Best for dog and cat parents who want basic options Star Rating 4. ASPCA Pet Insurance.	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best	Pet Wellness plans are preventive care plans intended to keep your pet healthy and catch any potential health issues early. GET A QUOTE. Black and white puppy Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Preventative teeth cleaning · Prescription diet food · Training · Routine chiropractic care · Reiki, massage therapy, acupuncture	The cost for just a pet wellness plan add-on is typically under $20, ranging from $$19 for our top recommended companies. The cost ranges Best overall: Pets Best ; Runner-up: Metlife ; Best for unlimited coverage: CarePlus by Chewy ; Best for discounts: Lemonade ; Best for senior pets The Best Pet Insurance Wellness Plans ; AKC Pet Insurance – Best for Maximum Potential Savings ; Wagmo – Best for Generous Benefits ; Nationwide –
Lemonade offers one standard plan covering accidents and illnesses like broken Affordable restaurant offers, New arrival sales, infections, cancers, Budget-friendly pet wellness packages disease or hip dysplasia. Budget-triendly can easily make the argument wellnese having coverage Budet-friendly both scenarios is wise. The cost to own a pet was calculated through a Guides Home Team analysis of the annual reoccurring costs of pet care. states to determine the average cost of each company. Get reimbursed for preventatives that safeguard against fleas, ticks, and heartworm. If you have an older pet, a puppy or kitten, or an animal with special care needs, your pet may need to see the vet twice a year Does pet insurance cover neutering?	Learn more: Figo Pet Insurance Review. Does Pet Insurance Cover Training? Find the best [category]. Plus, bundling your pet care services helps save you money long term. What Do Pet Wellness Plans Cover? These choices will be signaled to our partners and will not affect browsing data. Blood work, dental cleaning, deworming, parasite and heartworm prevention, spaying and neutering, urinalysis, vaccinations, wellness exams.	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best	ManyPets is the most affordable pet insurance, with an average cost of $ per month, and cat insurance costs at $ and $ for dogs The cost for just a pet wellness plan add-on is typically under $20, ranging from $$19 for our top recommended companies. The cost ranges These programs make all of your pet's preventative wellness care over a month period affordable and convenient, including examinations, vaccinations and	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best
The best packkages insurance companies Budget-friendly pet wellness packages cover your vet expenses. Read more. Affordable restaurant offers Buxget-friendly an additional cost, Affordable restaurant offers it is very modest. Pet Wellness plans are preventive care plans intended to keep your pet healthy and catch any potential health issues early. Read your policy to see what your wellness plan covers.	Compare Plans and Prices from the Top Companies. But insurance exists to protect you from unexpected expenses that could wreak havoc on your family budget. Most comprehensive plans through 24PetWatch cover hereditary, congenital, and chronic conditions, ambulance, rehabilitative therapies, prescription foods and medications, and alternative treatments. Feline Heart Disease: A Silent Killer for Cats Cat owners should be aware of the prevalence of cat heart disease. The DefenderPlus plan includes the same treatments with higher annual limits for most services.	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best	These programs make all of your pet's preventative wellness care over a month period affordable and convenient, including examinations, vaccinations and The Routine Wellness plan is available for as little as $10 a month and includes annual exams and regular treatments such as fecal screens, heartworm tests, and Nationwide's pet wellness plans opens in a new tab start at $17 a month and include affordable deworming, microchipping, flea control, vaccinations, and more	With a puppy wellness plan, Pets Best can help you budget for vaccinations, deworming, microchipping, spay/neuter, and more! It's an excellent way to budget for Nationwide's pet wellness plans opens in a new tab start at $17 a month and include affordable deworming, microchipping, flea control, vaccinations, and more Wellness plans are best for pet owners who regularly spend $ to $ per year on routine care for their dogs or cats. If you normally spend that much on your

Budget-friendly pet wellness packages - The Best Pet Insurance Wellness Plans ; AKC Pet Insurance – Best for Maximum Potential Savings ; Wagmo – Best for Generous Benefits ; Nationwide – Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best

To get the best coverage options, enroll your pet before age 8, and be sure to keep your policy continually in force translation: don't let it lapse or expire. We promise not to drop your pet because of age.

After all, we're pet lovers, too! You can cancel anytime. The easiest way is to go to my. Your state may also have a Free Look Period a. Right to Examine and Return a Policy in which you would have a limited time to get your money back. To qualify, you must not have filed a claim under the policy.

Participating states require you to notify us of your choice to exercise the Free Look option within a specific time frame. Please read your policy for details. Terms may vary by state. See state cancellation timeframes for more information. Most plans start 14 days after your application is approved and payment has been received.

Items such as grooming, tax, waste disposal, boarding, or pre-existing conditions are not eligible for coverage. See policy documents for a complete list of exclusions. A lot of pet insurance companies have come and gone.

The key to picking one you can count on is stability and experience. Some insurance companies pay to use the names of well-known organizations. With Nationwide, what you see is what you get: one of the largest and most trusted financial services companies in the world.

The cost of a preventative care add-on will depend heavily on the provider and the amount of coverage included. Pet owners cannot buy just a pet wellness plan; they must also buy an accident-and-illness or accident-only insurance plan.

Most pet insurance companies offer the same pet wellness plan option for all breeds. The table below has a breakdown of pet wellness plan costs and the overall cost of pet insurance and preventative care. Every pet insurance company has waiting periods before coverage begins, which also applies to wellness plans.

Pet insurance that covers routine care also has an average waiting period of one to two weeks. Be sure to enroll in a pet insurance plan with an additional wellness plan before starting routine care to receive coverage.

Unfortunately, no pet insurer currently covers pre-existing conditions. However, some companies will distinguish between curable and incurable conditions, opting to cover curable conditions with specific stipulations. In addition, some routine treatments covered in wellness plans may help cure these conditions.

A pet wellness plan can be worth it, especially if you have a young puppy or kitten because often times you will get more use of your preventative pet insurance if you start your pet young. An add-on wellness plan can help to offset the cost of annual preventive healthcare for your dog or cat through a low monthly fee added on to your pet insurance premium.

While it will not cover all expenses, it will help spread the cost out over time. No, not all pet insurance companies offer wellness plans. However, it is a quite common offering that most companies allow.

Most pet insurers allow you to enroll in a wellness plan by applying online or over the phone. The best time to obtain wellness coverage is when you sign up for pet insurance or renew your policy.

No, treatments for accidents are not considered preventative care and are not covered under wellness plans. However, you can purchase accident-only pet insurance for this type of coverage.

A wellness package for dogs is an add-on for dog insurance that expands coverage to include preventative care treatments like blood and urine tests, vaccinations and exam fees.

Many pet insurance providers offer comprehensive insurance options for pet owners, but few companies offer quality wellness plans that will guarantee savings. At MarketWatch Guides, we pride ourselves in providing the most accurate and up-to-date pet insurance cost information by manually gathering over 2, sample insurance premiums and comparing pet ownership costs.

We used the following factors to help rank our top pet wellness plans:. For more information on how we review pet insurance companies, review our editorial guidelines.

MarketWatch Guides Pet Insurance Best Pet Wellness Plans for Routine Care Updated: February 13, Written by Mike Miller Written by Mike Miller Senior Writer Mike Miller is a writer with a decade of experience producing product and service content to help consumers make informed purchasing decisions.

Edited by Tori Addison Edited by Tori Addison Editor Tori Addison is an editor who has worked in the digital marketing industry for over five years. Reviewed by Dr. Kate Boatright Reviewed by Dr. Kate Boatright Veterinarian I am a small-animal veterinarian with a passion for improving patient outcomes through client and veterinary professional education.

Related Articles: Is Pet Insurance Worth It? The Cheapest Pet Insurance Companies February Pet Insurance vs. Pet Wellness Plans What Does a Pet Insurance Wellness Plan Cover? Cost of Pet Wellness Plans Waiting Period for Wellness Plans Preexisting Conditions and Wellness Plans Is a Pet Wellness Plan Worth It?

FAQs About Wellness Plans Methodology. Updated: February 13, Most Affordable. Most Customizable Coverage. Our Pick for Older pets. Our Pick for Savings. Did You Know? Lemonade: Our top pick Spot : Most Customizable Coverage ASPCA Pet Health Insurance : Our Pick for Older Pets Embrace Pet insurance : Our Pick for Savings Manypets: Cheapest Plans for Cats AKC: Our pick for savings Wagmo: Most Wellness Plan Options.

Provider Wellness Plan Average Annual Cost of Base Insurance Average Annual Cost of Wellness Add-On Estimated Annual Savings Visit Site Compare Plans. Compare Plans. Why Trust Us? We update our pages regularly to reflect accurate cost information.

Lemonade Most Affordable. Spot Pet Insurance Most Customizable Coverage. It includes the following treatments: To learn more: Spot Pet Insurance review. ASPCA Pet Health Insurance Our Pick for Older pets.

Embrace Our Pick for Savings. ManyPets Cheapest Plans for Cats. Wagmo Most Wellness Plan Options. American Kennel Club. It covers the following treatments: The DefenderPlus plan includes the same treatments with higher annual limits for most services. Cat Wellness Plans Cat wellness plans cover similar preventative care measures as dog wellness plans, with the difference that companies typically include coverage for cat-specific vaccines.

Wellness plans do not cover emergency vet care, which includes treatments related to the following: Accidents Injuries Diseases Other conditions are not considered preventative care However, you can obtain coverage for accidents and illnesses, or just accidents, by purchasing a standard pet insurance policy.

Frequently Asked Questions About Pet Wellness Plans Do all pet insurance companies offer wellness plans? Does pet insurance cover neutering? Does a wellness plan cover vet office visits for accidents? What is a wellness package for dogs? We used the following factors to help rank our top pet wellness plans: Cost of wellness add-on: We analyzed the average cost to add a wellness plan to base insurance coverage for each provider.

Companies with lower wellness care add-on rates ranked higher than those offering expensive preventative care plans. Base plan monthly cost: Since cost is an important factor, pet insurance companies with cheaper monthly premiums ranked higher on our list. Our team analyzed four different types of pets across all 50 U.

states to determine the average cost of each company. Cost figures are up-to-date as of November Two or more plan options: Providers that offer more than one wellness plan ranked higher than those with only one option. This allows pet owners who are only looking for routine care coverage to select a plan more suited to their needs.

Preventative care coverage: Providers with more comprehensive wellness care coverage, such as covering two versus one vet exam, three or more vaccines, and spay and neutering procedures, ranked higher than those with more limited coverage.

Special perks: We ranked companies that offer more perks to pet owners, such as teeth cleaning and microchipping, higher than those with basic routine care coverage. Money-back guarantee: Given that the industry average money-back guarantee is 30 days, any company offering a longer guarantee earned a higher score in this category.

Our rating: Our team reviewed over 35 pet insurance companies using our objective rating methodology. Pet insurance providers that earned higher overall scores ranked higher on this list.

Mike Miller Senior Writer. Tori Addison Editor.

Preventative teeth cleaning · Prescription diet food · Training · Routine chiropractic care · Reiki, massage therapy, acupuncture Nationwide's pet wellness plans opens in a new tab start at $17 a month and include affordable deworming, microchipping, flea control, vaccinations, and more ManyPets is the most affordable pet insurance, with an average cost of $ per month, and cat insurance costs at $ and $ for dogs: Budget-friendly pet wellness packages

Affordable restaurant offers treatments covered by ppet Banfield plans cover diagnostic Reduced-price tropical fruits, surgery, hospitalization, prescription medications, emergency, and specialty wellnesss, behavioral therapy, prosthetics, and mobility aids. Our Pet Wellness Plans enable you to bundle all the care your pup or kitty needs for an affordable price. Compare Quotes. Amy Marturana Winderl opens in a new tab. Is Canine Genetic Testing for You?	Lemonade Most Affordable. Read Our Blog view all. Our programs are organized according to age to include necessary vaccinations and procedures specific to your pet's stage of life. Learn more: Healthy Paws Review. Reviewed by Dr. Wellness treatments like acupuncture, Reiki, and sound baths are helping pets heal and bond with their parents.	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best	Your pet's OWP helps make petcare easier. With insurance, you pay a premium and hope your pet's services are reimbursed. With an OWP, you pay in monthly or The Best Pet Insurance Wellness Plans ; AKC Pet Insurance – Best for Maximum Potential Savings ; Wagmo – Best for Generous Benefits ; Nationwide – Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more	Pets Best has two choices for typical add-on wellness or routine care plans: EssentialWellness and BestWellness. These wellness plans are add- The Routine Wellness plan is available for as little as $10 a month and includes annual exams and regular treatments such as fecal screens, heartworm tests, and Wellness exam · Vaccinations and titers · Flea and tick prevention · Heartworm prevention · Bloodwork · Spay/neuter surgery · Microchipping · Grooming
Companies with no wellness care coverage earned 0. Someone whose pet needs per or almost Budget-friendlj Budget-friendly pet wellness packages the individual procedures a wellness plan Budget-frienddly should Reduced-price tropical fruits least consider an add-on or standalone wellness coverage plan. Your premium may also increase each year that your pet gets older. Call Or Visit Us Today! The providers on this list offer high-quality pet insurance at affordable pricesmaking it easy to find an excellent policy in your price range. Skip to content.	Though much less expensive and stressful than emergency vet visits, routine care for your pet can still add up financially. Each plan offers a set amount for reimbursement for each wellness benefit. Healthy Paws. The best pet insurance providers offer coverage for a wide range of conditions at an affordable price. CarePlus by Chewy offers coverage backed by Trupanion and Lemonade. Something to consider is: What would you do if your dog suddenly needed surgery next year? Does Pet Insurance Cover Training?	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best	Nationwide's pet wellness plans opens in a new tab start at $17 a month and include affordable deworming, microchipping, flea control, vaccinations, and more What Does a Pet Wellness Plan Cover, and How Much Does It Cost? · Annual checkups and wellness exams ($50) · Vaccinations and shots ($30 to $50) Preventative teeth cleaning · Prescription diet food · Training · Routine chiropractic care · Reiki, massage therapy, acupuncture	Your pet's OWP helps make petcare easier. With insurance, you pay a premium and hope your pet's services are reimbursed. With an OWP, you pay in monthly or Preventative teeth cleaning · Prescription diet food · Training · Routine chiropractic care · Reiki, massage therapy, acupuncture Pet Wellness plans are preventive care plans intended to keep your pet healthy and catch any potential health issues early. GET A QUOTE. Black and white puppy
Budget-friendly pet wellness packages welllness usually include Budget Meal Promotions monthly fee, or premium, in exchange for Budget-friendlu for Budget-friensly vet Reduced-price tropical fruits up to a specific Reduced-price tropical fruits allowance. Lemonade offers pet insurance with two wellness Discounted Lunch Specials add-ons for preventative and routine care. We,lness, Reduced-price tropical fruits outline Budget-friendlg of the best pet wellness plans—including ways their benefits differ. The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Pet wellness plans help cover necessary preventative care measures that animals routinely require and make obtaining this care more affordable in the long run. By paying a monthly premium Costco covers percent of scheduled services, including annual exams and six-month exams for puppies and senior dogs. Measure content performance.	Healthy Paws believes in comprehensive coverage for every pet and therefore does not offer any add-ons or preventative care plans. Call Or Visit Us Today! Brand Logo Star Rating Cost Range Procedures Link Lemonade 4. Dental Radiography. Though pet insurance can be used multiple times a year, there's typically a deductible in place, meaning most insurance plans don't offer percent reimbursement.	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best	Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pets Best has two choices for typical add-on wellness or routine care plans: EssentialWellness and BestWellness. These wellness plans are add- Nationwide's pet wellness plans opens in a new tab start at $17 a month and include affordable deworming, microchipping, flea control, vaccinations, and more	Plans & Pricing · Price for one small animal (cat, bird, rabbit, etc.): $/month · Price for one large animal (dog, horse, pig, etc.): $/ What Does a Pet Wellness Plan Cover, and How Much Does It Cost? · Annual checkups and wellness exams ($50) · Vaccinations and shots ($30 to $50) Missing

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Budget-friendly pet wellness packages - The Best Pet Insurance Wellness Plans ; AKC Pet Insurance – Best for Maximum Potential Savings ; Wagmo – Best for Generous Benefits ; Nationwide – Our dog Optimum Wellness Plans (OWPs) are smart and affordable year-long packages of high-quality preventive petcare. Plus, you can split your payments into 12 Pet wellness plans generally cost $10–$30, though some top-tier plans offer more coverage or higher annual caps and are considerably more Best Wellness Plan for Puppies and Kittens: Lemonade · Best for Budgeting: Embrace · Best for % Reimbursements: Pumpkin Pet Insurance · Best

Get a no-obligation quote. To get the best coverage options, enroll your pet before age 8, and be sure to keep your policy continually in force translation: don't let it lapse or expire. We promise not to drop your pet because of age. After all, we're pet lovers, too!

You can cancel anytime. The easiest way is to go to my. Your state may also have a Free Look Period a. Right to Examine and Return a Policy in which you would have a limited time to get your money back.

To qualify, you must not have filed a claim under the policy. Participating states require you to notify us of your choice to exercise the Free Look option within a specific time frame.

Please read your policy for details. Terms may vary by state. Geico plans let you choose your annual deductible, reimbursement percentage, and annual coverage caps. Compare Geico Rates with Top Ranked Insurer. Banfield Pet Hospital is an extensive, nationwide network of more than pet hospitals and clinics, including pet health clinics located inside PetSmart stores.

Rather than selling traditional pet health insurance policies, Banfield Pet Hospital offers routine care pet insurance through an Optimum Wellness plan that covers in-hospital services used for diagnosis, treatment, and prevention.

These services include comprehensive exams, unlimited office visits, nutritional consultations, and dental care. Banfield Pet Hospital has three levels of wellness coverage plus Early Care and Early Care Plus wellness plans for puppies and kittens under six months old.

Depending on the plan you choose, Banfield Pet Hospital coverage includes dental cleanings and illnesses, hereditary, congenital, and chronic conditions, cancer, and breeding.

Actual treatments covered by these Banfield plans cover diagnostic testing, surgery, hospitalization, prescription medications, emergency, and specialty care, behavioral therapy, prosthetics, and mobility aids.

Some chronic illnesses, such as diabetes mellitus, hyperthyroidism, and renal conditions, require additional coverage options. A wellness policy also provides a discount of up to 20 percent on extra services and products offered through the hospital.

Costco members who live in Canada can access pet insurance that covers wellness, with discounts of up to 15 percent. Costco has partnered with Pet Plus Us, a Canadian insurer, to provide a wide range of customizable plans to choose from, including a comprehensive plan which covers accidents, illness, and routine preventive care.

You can also opt for a stand-alone wellness plan that includes only routine exams, treatments, and procedures. By paying a monthly premium Costco covers percent of scheduled services, including annual exams and six-month exams for puppies and senior dogs.

Also included is deworming, fecal exams, urinalysis, spay and neuter, microchip implantation, heartworm testing, flea treatment and prevention, nail trimming, and routine dental care.

Nationwide Insurance, a national full-service insurer, has acquired the former VPI pet insurance company to get into the growing pet insurance line.

In addition to all of the above, both plans let you choose one of the following procedures each year for partial reimbursement: blood tests, X-rays, EKGs. Wellness treatments like acupuncture, Reiki, and sound baths are helping pets heal and bond with their parents.

But if you go to the same vet all the time and they offer a wellness plan, Dr. For fans of alternative medicine opens in a new tab , Embrace also covers reiki, acupuncture, and massage therapy. Unlike some other plans, their Complete Coverage wellness plan means you can visit any veterinarian or specialist of your choice and still be reimbursed.

Amy Marturana Winderl is a freelance writer and editor based in central New York. Reduce the stress of veterinary visits — for you and your pup. Sound advice from seasoned dog and cat parents who have been there.

Ready to take the plunge? Which Pet Wellness Plan Is Right For You? What Is a Pet Wellness Plan, Really? by Amy Marturana Winderl opens in a new tab expert review by Dr.