Best Puppy Wellness Plans for Preventive & Routine Care of July 2021

Lisa Scott

Taking your puppy to the vet helps you determine what it needs in terms of ongoing and preventive care from key tests to vaccines. A wellness plan can help you pay for these expensive vet visits. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

Unlimited

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.

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.

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

Is puppy wellness coverage worth it?

Finding the right wellness plan for your puppy’s preventive and routine care is one of the best ways to ensure your puppy’s long-term health as they continue to grow. Ensuring you continuously take your puppy to the vet for wellness care and check-ups is a great way to prevent potential health issues from cropping up later in their life.

It may seem overcautious to begin a wellness insurance plan with your puppy while they are still young, but there are tremendous benefits to starting their coverage early. Getting a wellness plan for your puppy early on in their life will help you to avoid navigating coverage for pre-existing conditions that many insurance providers will not cover. Additionally, it ensures that your puppy qualifies for coverage, as some providers also have a cap on the age requirements of dogs that they cover under their wellness plans.

Overall, getting a wellness plan to cover preventive and routine care for your puppy as soon as possible is a smart, worthwhile decision. You can ensure your puppy will be taken care of throughout their life, consistently receiving the appropriate wellness and routine care to keep them as healthy as possible and avoid potential major health issues in the long run. Overtime, investing in a wellness plan for your puppy will help you save money and avoid those expensive visits to the vet for emergency situations.

What does puppy wellness cover?

Insurance providers differ widely on what their wellness plans cover. Separate from typical pet insurance plans, wellness plans cover different procedures and treatments for pets.

Most pet insurance providers offer plans related to illness, injury, or a combination of injury and illness coverage. These plans cover for the unexpected: an accident or illness that arises and needs to be treated. Pet insurance plans typically cover procedures like x-rays, surgeries, and other treatments to fix ailments like broken bones, infections, and even long-term illnesses like arthritis and cancer.

Wellness plans that focus on preventive and routine care instead cover treatments ahead of these emergency situations. These plans insure procedures including:

  • Wellness checkups: Regular visits to the vet to check on the puppy’s vitals and holistic health status.
  • Vaccines: All necessary shots puppies typically get within the first years of their life.
  • Preventive medical procedure: Spaying and neutering, and other necessary procedures.
  • Pest prevention: Treatment to prevent ticks, fleas, and other pests that can infect puppies.

Typically, these plans are either offered as an add-on or rider to pet insurance or offered as a different plan altogether. Depending on what the insurance provider offers, there may be a holistic plan available that covers all of these various wellness options, or add-on opportunities to customize your wellness coverage in addition to an existing puppy insurance coverage plan.

How are puppy wellness premiums determined?

There are a variety of details that contribute to determining the overall monthly premium for puppy wellness plans:

  • Breed: Your puppy’s breed will contribute to the overall cost of your wellness plan. If your puppy’s breed is more susceptible to health issues than other breeds, your premium will be higher than average.
  • Age: Typically, the older your puppy gets, the more money you can expect to pay.
  • Wellness plan coverage: Different insurance agencies offer various options for wellness coverage. Depending on what you want to be covered in your overall wellness plan, your monthly premium will vary.
  • Insurance plan details: Your choice of copay, reimbursement percentage, and deductible will contribute to the overall monthly premium you pay.

How to choose the best puppy wellness plan?

Choosing the best wellness plan for your puppy requires you to take a few details into consideration. Here are some things to keep in mind throughout the process:

  • Understand what your puppy needs: Take your puppy’s breed and any potential conditions that are common for that breed into consideration as you start to compare different wellness plan offerings. If your puppy is more susceptible to certain kinds of injuries or illnesses, you will want to ensure your wellness plan covers preventive and routine care related to these ailments. Additionally, you will want to take your puppy’s unique health status into consideration to ensure their specific needs will be met in terms of their routine wellness care.
  • Compare wellness plan offerings and pricing: Just because a wellness plan offers you the cheapest option upfront does not mean it is the best deal. As you are narrowing down your wellness plan choices for your puppy, you will want to review what is all included in the overall coverage. Some plans do not cover all costs related to wellness care – check to make sure they offer everything you need for a monthly premium that works for you.
  • Review their reputation: You will want to review your wellness plan provider’s reputation and how their overall reimbursement process works before you sign up for a specific plan. Take a look at the current customers’ reviews to gain a better understanding of how they process claims, how they handle issues and their overall ratings from trusted organizations including the Better Business Bureau. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.