Best Pet Wellness Plans for Preventive & Routine Care of September 2021

Lisa Scott

Taking care of your pet year round is the best way to get ahead of any potential injuries and illnesses they may encounter. By finding the right wellness plan covering preventive and routine care, it can help you pay for the continuous care your pet needs.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: 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. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). 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. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Insurance plans designed around routine care for a healthier pet

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

PetFirst offers coverage for dogs and cats at an affordable price. Pet Parents are able to take charge of their monthly premiums by customizing a policy that suits their financial situation. It offers policy add-ons, such as preventive and wellness coverage that keeps your pet protected all year round. The agency operates in all States and allows pet parents to visit any licensed vet of their choice.

The insurance agency does not provide any restrictions on the maximum age limit allowing pet parents to enroll even older pets. According to PetFirst, every pet deserves the best healthcare coverage without discriminating on age.

What we like

  • Routine care to take care of vet check-up costs and proactive healthcare issues
  • Offers deductibles as low as $50
  • Short waiting periods for coverage to kick in
  • Wide range of reimbursement rates to have more control on finances

What we don't

  • Maximum annual limit is $10,000
  • Pre-existing health conditions are not covered

Is pet wellness coverage worth it?

We want what’s best for our pets when it comes to their overall health and happiness. However, we may only think about our pet’s medical care when faced with more serious injuries or illnesses.

Sometimes, it can be difficult to know whether your pet is experiencing a health issue from the early stages. Depending on the problem, your pet may not demonstrate any noticeable symptoms until their illness progresses. By then, you may be dealing with a serious medical problem that requires a lot of time and treatment, as well as tons of money to fix. This puts many pet owners in serious situations where they may not be able to afford their pet’s treatment.

One of the best ways to keep track of your pet’s overall health and wellness is by continuing preventive and routine care. This includes frequent visits to the vet and undergoing certain procedures that help your pet maintain good health and ensure they are being monitored for any early signs of severe illnesses or other medical issues.

While this is a great way to keep up with your pet’s health, routine and preventive care measures can be expensive over periods of time. Many pet owners may not be able to afford these wellness treatments and forego them. Pet wellness plans that cover routine and preventive care help owners be able to afford these treatments and to avoid more serious and expensive issues from developing later in your pet’s life.

What do pet wellness plans cover?

Most pet wellness plans are separate from your average pet insurance coverage. Typically, pet insurance providers offer plans that cover illness-only treatments, injury-only, or a combination of the two. Your provider may offer wellness plans as a separate plan or as add-on options.

For wellness plans, you can expect many of the same types of treatments to be covered, including:

  • Wellness visits: Regular check-ups, wellness exams and routine physical exams are often covered by wellness plans.
  • Vaccines & pest treatments: Vaccines that help to prevent common illnesses as well as pest preventive treatments for fleas, ticks, ringworm, and more are typically covered under a wellness plan.
  • Microchipping & other procedures: Spaying, neutering, deworming and microchipping, as well as other preventive procedures are generally covered.

Though wellness plans offer different treatments from your typical pet insurance plans, it is important to note they will often not cover treatments for pre-existing conditions. Pets with cancer or other serious pre-existing conditions may not be covered under a wellness plan for treatments related to those specific health issues. Additionally, cosmetic procedures are also not covered under these plans.

How are pet wellness premiums determined?

Overall, there are many contributing factors that help determine your wellness plan’s monthly premium. Here are a few details that will affect your premium amount:

  • Age: The older your pet is, the more likely you will need to pay more monthly for your wellness plan coverage.
  • Breed: Because some breeds are more susceptible to certain illnesses or injuries, you may be more likely to pay a higher monthly premium. Pet breeds that are in need of more routine treatments to prevent certain illnesses or injuries can expect to have higher monthly premiums.
  • Species: The type of pet (cat, dog, etc.) you have will contribute to your premium. Pets that require more overall routine or preventive care will have a higher premium for their coverage.
  • Wellness plan details: The details of your specific wellness plan will play into how much you pay per month. Your reimbursement percentage, yearly deductible, and overall coverage cap will contribute to your monthly premium amount.

Additionally, depending on what treatments and procedures your insurance plan covers, you may be required to pay more or less for your monthly premium. Plans that have more holistic coverage and offer more treatments are likely to have higher overall premiums.

How to choose the best pet wellness plan?

You have many things to consider as you choose the best pet wellness plan for your pet. Here are a few things to keep top of mind as you make your decision:

  • Determine your budget: Evaluate your budget and how much you are able to pay monthly for your pet’s wellness plan. Take a look at what the different plans have to offer within your budget to help inform your decision.
  • Consider your pet’s needs: Depending on the type of pet you have, and their age, breed, and medical history, you may require different types of preventive and routine care treatments. Be sure to confirm the plan you are choosing has coverage options available for any treatments your pet may need in the future.
  • Compare plan offerings: Just because a plan is the most expensive does not mean it offers the most preventive and routine treatments. Additionally, a cheap plan does not mean it is a good deal. Compare and contrast what each plan has to offer in terms of treatments, as well as monthly premium expectations, deductibles and coverage caps, to figure out what is the best choice.
  • Read their reviews: Take a look at any reviews customers who have your future pet wellness plan. You will want to find out how they handle customer issues, and what the overall claims process looks like. Additionally, you will want to ensure your provider is trustworthy, and see if they have any accreditations from trusted organizations like the Better Business Bureau. We’ve also made a review for these wellness plans that could be helpful.