Some pet insurance brands offer insurance add-ons that help cover an animal’s annual wellness exam and needs. These wellness plans typically come in tiered-price packages.
After researching seven different pet insurance *brands (you can read our in-depth pet insurance guide for seniors here), we determined that the following pet insurance providers offer optional pet wellness packages.
(*All quotes below were either set or based on Cash, my 8-year-old medium-sized mixed-breed dog.)
What are wellness plans?
Most pet insurance wellness options are add-on benefits. Pet owners pay a certain amount per month to receive a set amount of annual benefits. Some wellness packages include more coverage than others.
For $16 a month, Cash could get coverage up to a certain amount a year for many routine needs. For $26 a month, my dog could get more “annual benefits” covering things such as a spay/neuter surgery, teeth cleaning (up to a certain amount), etc.
So, essentially, the less expensive option covers all routine vaccines and part of some tests. In contrast, the more expensive option covers some types of surgery and provides more benefits toward specific tests.
Embrace offers an add-on called “Wellness Rewards” that are applied toward routine care. Embrace’s Wellness Rewards will reimburse up to a certain amount of your choosing (amounts offered: $250 for $18.75 a month, $450 for $35.42 a month, and $650 for $52.09 a month). Although Embrace’s coverage is similar to other plans, its rewards include some interesting things, such as cremation and burial, prescription food diets, and more.
Spot has two Preventative Care option add-ons. One is Gold (for $9.95 a month, with annual benefits amounting to $250), and the other is Platinum (for $24.95 a month, with yearly benefits amounting to $450). The Platinum plan covers some extra expenses, such as a certain amount toward heartworm and flea prevention, as well as additional testing.
Nationwide / VIP
Nationwide has a Wellness Plan add-on. One of the benefits of Nationwide / VPI is you can choose to purchase a Pet Wellness plan and forgo any illness and accident insurance. These fees start as low as $12 a month and go as high as $22.
Pumpkin offers a wellness add-on covering some preventative care. I was unable to research it because the add-on is not available in Missouri.
ASPCA Pet Health Insurance
ASPCA’s optional preventative coverage comes in two levels, Basic ($9.95 a month for a total annual benefit of $250) and Prime ($24.95 a month for a total annual benefit of $450). Like other plans referenced here, the more you pay per month, the more coverage your pet gets.