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. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
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.
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.
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.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
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.
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.
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.
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:
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.
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:
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.
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: