Best Pet Insurance with Preventive Care

ByEquineathon

When it comes to keeping your pet healthy, preventive care is essential. Many pet insurance providers offer preventive care coverage to help cover the costs of routine wellness visits, vaccinations, flea treatments, and other preventive services. These services are key to maintaining your pet’s long-term health, preventing illness, and catching potential health issues early. In this guide, we will explore the best pet insurance options with preventive care coverage in 2025 and how to choose the right plan for your furry friend.

Why Preventive Care is Important for Your Pet

Preventive care helps ensure that your pet stays healthy throughout their life. It can prevent costly medical treatments down the line and give you peace of mind knowing your pet’s health is being monitored regularly. Some of the key preventive care treatments include:

  • Vaccinations: Essential to protect your pet from serious diseases.
  • Routine Wellness Exams: Annual or semi-annual check-ups can detect early signs of illness.
  • Flea, Tick, and Heartworm Prevention: Medications and treatments to prevent parasites.
  • Dental Care: Teeth cleaning and oral exams to prevent dental diseases.
  • Spaying and Neutering: A preventive measure to avoid unwanted pregnancies and health issues.

By covering these preventive treatments, pet insurance can save you money on vet visits and treatments, as well as improve your pet’s quality of life.

Top Pet Insurance Providers with Preventive Care Coverage

Several pet insurance companies offer comprehensive plans with preventive care coverage. Here are the top providers in 2025 that include wellness and preventive care as part of their plans:

1. Embrace Pet Insurance

  • Best for: Customizable preventive care options
  • Monthly Premium: $30 to $70 per pet depending on age, breed, and location.
  • Preventive Care Coverage: Embrace offers a Wellness Rewards plan that can be added to any policy. This plan reimburses for preventive care costs, including vaccines, annual exams, flea treatments, and dental cleanings. You can choose an annual payout limit of $250, $450, or $650 to match your pet’s needs.
  • Highlights: Embrace’s Wellness Rewards plan is highly customizable, allowing you to select the coverage that suits your pet’s health needs. It also covers a wide range of preventive care treatments.
  • Pros: Flexible wellness care options, customizable plans, coverage for a wide range of preventive services.
  • Cons: Preventive care coverage is optional and adds an additional cost to your premium.

2. Pets Best Pet Insurance

  • Best for: Affordable wellness coverage
  • Monthly Premium: Starting at $20 per pet.
  • Preventive Care Coverage: Pets Best offers a Wellness Plan add-on to their accident and illness policy. This add-on covers routine care such as vaccinations, wellness exams, flea and tick treatments, and spaying or neutering.
  • Highlights: Pets Best’s Wellness Plan is an affordable way to get preventive care coverage for your pet. The Wellness Plan offers an annual limit of $170 to $535 depending on your plan selection, and covers a wide range of services.
  • Pros: Affordable wellness coverage, covers spaying/neutering, flea/tick prevention, and dental care.
  • Cons: Wellness care is an add-on to basic coverage, which increases the cost of your premium.

3. Healthy Paws Pet Insurance

  • Best for: Comprehensive coverage without limits
  • Monthly Premium: Typically $30 to $80 per pet depending on factors like age and location.
  • Preventive Care Coverage: While Healthy Paws offers comprehensive coverage for accidents and illnesses, they do not include preventive care as part of their standard policy. However, they do provide the option to add wellness coverage through a third-party partner, which can cover vaccinations, check-ups, flea treatments, and dental care.
  • Highlights: Healthy Paws is well-regarded for offering unlimited lifetime coverage for illnesses and accidents. For those who want preventive care, they can easily add it through a partner program, providing flexibility in coverage choices.
  • Pros: Unlimited coverage, high customer satisfaction, option for added wellness care through a partner.
  • Cons: Preventive care isn’t included in their base plans and must be purchased separately.

4. Figo Pet Insurance

  • Best for: Tech-savvy pet owners
  • Monthly Premium: $25 to $55 per pet.
  • Preventive Care Coverage: Figo offers an optional wellness add-on that covers a wide variety of preventive care services. This includes vaccinations, wellness exams, flea/tick treatments, heartworm prevention, and dental care.
  • Highlights: Figo’s Wellness Plan is an excellent option for pet owners who want a complete package. They also offer a mobile app for easy claims filing and managing your policy, making it ideal for those who prefer a tech-forward approach to pet care.
  • Pros: Comprehensive wellness add-on, easy-to-use mobile app for claims, 24/7 vet advice line.
  • Cons: Wellness care costs extra and is not included in the base policy.

5. ASPCA® Pet Health Insurance

  • Best for: Lifetime coverage with preventive care options
  • Monthly Premium: Typically $25 to $50 per pet depending on the breed, age, and location.
  • Preventive Care Coverage: ASPCA offers a Wellness Plan that can be added to any policy, which covers a variety of preventive services, including vaccinations, annual exams, flea and tick treatments, and dental care. The wellness plan is available in annual limits of $250, $450, or $650.
  • Highlights: ASPCA’s Wellness Plan is comprehensive and covers most routine veterinary services. It also includes optional add-ons for dental and preventive care. The wellness coverage is available at different levels to suit your needs.
  • Pros: Lifetime coverage options, comprehensive wellness coverage, flexible wellness packages.
  • Cons: Wellness care is an optional add-on and increases your premium cost.

What to Consider When Choosing Pet Insurance with Preventive Care

  • Coverage Options: Make sure the policy includes a wide range of preventive services, such as vaccinations, flea and tick treatments, dental care, and wellness exams.
  • Customizability: Some pet insurance companies offer flexible wellness plans, allowing you to select the coverage level and treatments that best suit your pet’s needs.
  • Annual Payout Limits: Review the annual limits for preventive care coverage. Some providers offer a flat amount, while others allow you to choose the limit based on your needs.
  • Premium Cost: Adding preventive care coverage to your policy can increase your premium. Make sure you’re comfortable with the cost and that it fits within your budget.
  • Reputation: Look for providers with high customer satisfaction ratings and quick claims processing. You want a provider that makes it easy to manage your pet’s health care.

Conclusion

Choosing the best pet insurance with preventive care is a smart way to keep your pet healthy while saving on routine vet visits and treatments. Providers like Embrace, Pets Best, and ASPCA offer comprehensive wellness plans that can cover a wide variety of preventive care services, making it easier to maintain your pet’s health. Consider your pet’s specific needs, your budget, and the flexibility of each provider’s plans to find the right fit for your furry friend.