Best Pet Insurance with Routine Care Coverage

ByEquineathon

Routine care is essential for maintaining your pet’s long-term health. Regular check-ups, vaccinations, dental cleanings, and other routine services can help catch potential health problems early and prevent more serious conditions from developing. Many pet insurance providers now offer routine care coverage as an add-on or as part of their standard plans, making it easier for pet owners to ensure their pets get the preventive care they need without worrying about the cost. This guide will explore the best pet insurance options that include routine care coverage for 2025.

Why Routine Care Coverage is Important

Routine care is key to maintaining your pet’s health and ensuring they live a long, happy life. Regular veterinary visits help detect potential health issues early, making them easier and more affordable to treat. Routine care typically includes services like:

  • Annual Wellness Exams: Routine check-ups to assess overall health and monitor any changes.
  • Vaccinations: Protect your pet from preventable diseases with vaccinations.
  • Flea, Tick, and Heartworm Prevention: Treatment to protect against parasites that can cause severe illness.
  • Dental Care: Dental exams and cleanings to prevent gum disease and tooth decay.
  • Spaying and Neutering: Essential for population control and certain health benefits.

By covering these essential services, routine care coverage helps you keep your pet healthy while saving on long-term veterinary costs.

Top Pet Insurance Providers with Routine Care Coverage

Several pet insurance providers offer comprehensive coverage for routine care. These companies offer plans that include preventive care such as vaccinations, flea treatments, annual exams, and dental cleanings. Here are the best options for 2025:

1. Pets Best Pet Insurance

  • Best for: Affordable routine care coverage
  • Monthly Premium: Starting at $20 per pet
  • Routine Care Coverage: Pets Best offers an optional wellness plan that covers routine care services such as vaccinations, wellness exams, flea/tick prevention, and dental cleanings. The Wellness Plan is available in annual limits of $170 to $535, depending on your selected plan.
  • Highlights: Pets Best’s Wellness Plan is one of the most affordable options for routine care coverage. It’s an add-on to their accident and illness plan, and it provides reimbursement for common preventive services.
  • Pros: Affordable wellness coverage, flexible plans, includes dental care and spaying/neutering coverage.
  • Cons: Wellness care is an add-on to the basic policy, which increases your premium.

2. Embrace Pet Insurance

  • Best for: Customizable routine care options
  • Monthly Premium: Starting at $30 per pet
  • Routine Care Coverage: Embrace offers a Wellness Rewards plan that covers a wide range of routine care services, including vaccinations, wellness exams, flea/tick prevention, and dental cleanings. The plan is customizable, and you can choose an annual reimbursement amount of $250, $450, or $650 based on your pet’s needs.
  • Highlights: Embrace’s Wellness Rewards plan allows you to choose the coverage amount that fits your pet’s specific needs, making it an excellent option for those who want more flexibility.
  • Pros: Customizable wellness coverage, no limits on how the reimbursement is used, high customer satisfaction.
  • Cons: Wellness care is an optional add-on and increases the cost of your premium.

3. ASPCA® Pet Health Insurance

  • Best for: Lifetime coverage with routine care add-on
  • Monthly Premium: Starting at $25 to $50 per pet, depending on breed and location
  • Routine Care Coverage: ASPCA offers an optional wellness add-on to their policies that covers vaccinations, wellness exams, flea and tick prevention, spaying/neutering, and dental care. The wellness plan is available in three levels, with annual limits of $250, $450, or $650.
  • Highlights: ASPCA’s wellness plan is comprehensive and includes a wide variety of preventive care services. The option to add wellness care is available for both accident-and-illness and accident-only plans.
  • Pros: Lifetime coverage options, flexible wellness plans, covers a broad range of routine care services.
  • Cons: Wellness care is an optional add-on, and it increases your monthly premium.

4. Figo Pet Insurance

  • Best for: Tech-savvy pet owners
  • Monthly Premium: $25 to $55 per pet
  • Routine Care Coverage: Figo offers an optional wellness plan that covers routine care services like vaccinations, flea and tick prevention, wellness exams, dental cleanings, and spaying/neutering. The plan has annual limits of $250 to $500, depending on your selected option.
  • Highlights: Figo’s wellness add-on is great for tech-savvy pet owners, as it comes with access to their user-friendly mobile app, which allows easy claims filing and access to veterinary advice. Their coverage is also flexible, with the ability to add different types of coverage to suit your pet’s needs.
  • Pros: Customizable wellness coverage, 24/7 vet advice line, mobile app for managing claims, fast claims processing.
  • Cons: Wellness coverage is an additional cost, and premiums can be higher for older pets.

5. Pets Best Pet Insurance

  • Best for: Comprehensive wellness and accident coverage
  • Monthly Premium: Starting at $25 per pet
  • Routine Care Coverage: Pets Best’s Wellness Plan includes preventive care services such as vaccinations, wellness exams, flea/tick prevention, and dental care. You can choose an annual benefit limit of $170 to $535, depending on your selected plan.
  • Highlights: Pets Best is one of the few providers offering flexible wellness plans alongside their comprehensive accident and illness coverage, making it a great choice for families who want everything covered.
  • Pros: Comprehensive wellness coverage, covers a wide range of preventive care services, fast claims process.
  • Cons: Wellness care costs extra and is not included in the base policy.

What to Look for in Pet Insurance with Routine Care

When shopping for pet insurance with routine care coverage, it’s important to consider several factors to ensure you’re choosing the right policy for your pet’s needs:

  • Routine Care Coverage: Make sure the policy covers essential routine services such as vaccinations, annual wellness exams, flea/tick prevention, and dental cleanings.
  • Customization: Look for policies that allow you to customize the routine care coverage based on your pet’s needs. Some providers allow you to choose from different levels of coverage and annual limits.
  • Cost of Coverage: Check if wellness care is an add-on or included in the base policy. If it’s an add-on, compare the cost of including it in your premium with the benefits it provides.
  • Annual Limit: Review the annual benefit limits for routine care coverage to ensure they are sufficient to cover your pet’s needs. Some providers offer different coverage levels to suit different budgets.
  • Provider Reputation: Consider the reputation of the insurance provider for customer service, claims processing, and overall satisfaction. A reliable company with responsive customer service will make the process easier when you need to file claims.

Conclusion

Choosing the best pet insurance with routine care coverage is essential for ensuring your pet receives the preventive care they need. Providers like Pets Best, Embrace, ASPCA, Figo, and Healthy Paws offer great options for comprehensive wellness coverage, making it easier to keep your pet healthy and happy. Whether you want an affordable add-on or a comprehensive plan, you can find the right provider that fits your pet’s needs and your budget.