Best Pet Insurance with Wellness Coverage

Why is Wellness Coverage Important?

Wellness coverage is essential for pet owners who want to keep their pets healthy and prevent common illnesses or issues. With wellness coverage, pet owners can manage the cost of routine visits and preventive treatments without breaking the bank. Some common treatments covered under wellness care include:

• Vaccinations: Keeping your pet protected against preventable diseases.
• Annual Health Checks: Regular check-ups to detect early signs of illness.
• Flea and Tick Prevention: Medications to prevent infestations and related diseases.
• Dental Cleanings: Professional cleaning to prevent dental disease and related issues.
• Spaying/Neutering: One-time surgeries to prevent unwanted litters and associated health risks.

Choosing a pet insurance provider that includes wellness coverage as part of the plan can help you save money on these essential services and ensure that your pet gets the preventive care they need.

Best Pet Insurance Providers with Wellness Coverage

Here are some of the top pet insurance providers offering wellness coverage, along with the benefits and options they provide for pet owners:

1. **Pets Best**

Why It’s Great: Pets Best offers a variety of plans that include wellness coverage, providing access to preventive care such as vaccinations, annual check-ups, and flea treatments. Their wellness add-on can be added to their standard plans, making it highly customizable for pet owners who want more coverage for routine care.

• Coverage: Accidents, illnesses, surgeries, wellness care (optional add-on), and prescription medications.
• Highlights: Affordable premiums, fast claims processing, customizable wellness care add-on, routine health checks, vaccinations, and flea prevention included in wellness coverage.
• Best For: Pet owners who want affordable premiums with the option for customizable wellness care add-ons.

2. **Embrace Pet Insurance**

Why It’s Great: Embrace offers an excellent wellness plan called the “Healthy Pet” package, which covers routine care such as annual exams, vaccinations, and dental cleanings. Their wellness coverage can be added to their base accident and illness plans, providing a well-rounded option for preventive care.

• Coverage: Accidents, illnesses, surgeries, wellness care (Healthy Pet add-on), and hereditary conditions.
• Highlights: 90% reimbursement, Healthy Pet discount for pets with no pre-existing conditions, easy claims process, and optional wellness add-on.
• Best For: Pet owners looking for comprehensive coverage with the option to add wellness benefits for preventive care.

3. **Trupanion**

Why It’s Great: Trupanion offers a straightforward and flexible plan that includes coverage for accidents and illnesses, but wellness care is not typically included in their standard plans. However, Trupanion allows you to add a “Preventive Care” add-on to cover routine and preventive treatments such as vaccinations, flea treatments, and dental care.

• Coverage: Accidents, illnesses, surgeries, wellness care (optional Preventive Care add-on), and hereditary conditions.
• Highlights: No payout limits, 90% reimbursement, flexible coverage options, and customizable wellness care add-on.
• Best For: Pet owners who want flexible coverage and the option to add wellness care for preventive treatments.

4. **Figo Pet Insurance**

Why It’s Great: Figo offers flexible pet insurance with the option to add wellness coverage through their “Pet Cloud” app. This tech-driven platform allows you to easily manage claims, track your pet’s health, and access 24/7 vet helplines. Figo offers wellness care that includes vaccinations, annual exams, and other routine care for pets.

• Coverage: Accidents, illnesses, surgeries, wellness care (optional add-on), and 24/7 vet helpline.
• Highlights: Easy-to-use app, flexible plans, wellness add-on options, and fast claims submission via the mobile app.
• Best For: Tech-savvy pet owners who want easy access to policy management and wellness coverage.

5. **Lemonade Pet Insurance**

Why It’s Great: Lemonade is a newer pet insurance provider known for its affordable premiums and straightforward coverage. They offer wellness coverage as an optional add-on, covering preventive care such as vaccinations, flea treatments, and health check-ups. Lemonade’s claims process is fast and user-friendly, with claims typically processed within a few days.

• Coverage: Accidents, illnesses, surgeries, wellness care (optional add-on).
• Highlights: Affordable premiums, simple claims process, easy-to-navigate online platform.
• Best For: Budget-conscious pet owners looking for simple and affordable wellness coverage options.

What to Look for in Pet Insurance with Wellness Coverage

When selecting pet insurance with wellness coverage, it’s important to consider the following factors:

• Routine Care Coverage: Ensure the wellness plan covers essential preventive treatments such as vaccinations, flea prevention, and annual health checks.
• Customizability: Look for a provider that allows you to add wellness coverage to a standard accident and illness policy. This flexibility is important if you want to tailor your coverage based on your pet’s needs.
• Reimbursement Rate: Review the reimbursement rate for wellness claims. Some insurers offer 100% reimbursement, while others may reimburse a percentage of the costs.
• Preventive Care Focus: Check if the wellness coverage includes services like dental care, which is especially important for small breed dogs or pets prone to dental issues.
• Premiums and Deductibles: Consider how adding wellness coverage affects your premiums. In some cases, adding wellness coverage may raise the cost of your policy, so balance affordability with the coverage you need.