If you are looking for pet insurance, you have seen many options available to cover serious accidents and illnesses. However, you may be wondering if there is anything you can do to offset the cost of routine care, such as checkups and standard veterinary treatments.
The good news is that some pet insurance policies offer wellness premiums (reimbursements) to supplement coverage for routine visits and treatments, which benefits all owners, including those with elderly animals or those with hereditary diseases.
However, are the additional costs justified?
Pet wellness plans differ from traditional insurance in covering different types of care, but both have the same goal. A wellness plan covers some of the costs of routine veterinary care and gives you security when you take your Pet to the vet.
Most importantly, your Pet always has access to the routine veterinary care they need to stay happy and healthy.
Let’s look at how pet wellness plans work, why they are so important in your pet insurance, and which pet insurance plans best cover routine care in 2022.
What is a pet health plan, and how does it work?
A wellness plan reimburses normal veterinary expenses, such as a routine checkup at the vet.
Wellness plans are also called “preventive plans” because they help pay for preventive services such as teeth cleaning, vaccinations, heartworm exams, and more.
Some veterinary clinics specialize in wellness and prevention plans for puppies, while most pet insurance companies offer health insurance and supplemental wellness plans for dogs and cats.
What is the difference between pet health plans and pet insurance?
A pet wellness plan is similar to regular pet insurance in that it covers the cost of regular treatments.
Once the veterinarian’s services are paid for, regular pet insurance reimburses the covered expenses. Most insurance policies help you meet unexpected veterinary expenses for treating accidents and diagnosed illnesses.
If your Pet is lethargic and your vet wants to perform tests to find out what is wrong, your insurance should reimburse you for these expenses if they are covered. Treatment expenses for covered illnesses and injuries are also covered.
This is the so-called accident policy. It is the most common type of pet insurance. Depending on the policy, X-rays, scans, medical treatment, operations, emergency veterinary care, and medications may be covered.
What does pet health insurance cover?
Most pet insurance policies cover the cost of routine visits to the veterinarian, such as for a physical examination. The veterinarian will perform a physical examination of the Pet to check for abnormalities.
They may examine the Pet’s heart and lungs, take its temperature, and weigh it. Wellness plans do not cover emergency medical care or the cost of treating illness and injury, unlike pet insurance.
Also, no pet insurance covers pre-existing conditions (although some policies offer alternatives for treatable conditions), so it’s best to get pet insurance and a wellness plan as soon as possible.
Your wellness plan will cover the diagnoses and treatments listed below, depending on the type of wellness plan you choose and the insurance company you choose:
- Blood tests.
- Dental cleaning.
- Worming treatment.
- Stool examination.
- Flea, tick, and heartworm prevention.
- Certificate of good health.
- Heartwarming test.
- Sterilization and disinfection.
What is not covered by pet health insurance?
Accidents, illnesses, and injuries are often not covered by pet health insurance. It is not pet insurance, so if your Pet has health problems, you will have to pay exorbitant veterinary fees unless combined with mandatory pet insurance.
We recommend that you purchase your Pet’s accident and injury insurance and wellness insurance. Most of us ensure that health care falls within our budget when we get a new pet, but when the unexpected happens, there are problems.
The Best 5 Pet Insurance Covering Daily Care
1. VCA Care Club
VCA Care Club is a plan that offers wellness care according to the schedule of benefits, which you can purchase directly from VCA.
With VCA Care Club, you get different levels of care, depending on whether you have a puppy, adult dog, senior dog, kitten, adult cat, or senior cat. The insurance generally covers vaccinations, health checks, scat exams, and other benefits depending on the Pet’s age.
LCA does not offer pet insurance, so coverage is limited to preventive and diagnostic benefits. If problems are found, they must be paid out of pocket.
2. PetAssure wellness
PetAssure is a discounted veterinary insurance program that provides an alternative to traditional pet insurance. If you have a pet with pre-existing conditions, need medical care not covered by your insurance, or want to take advantage of a discount plan for your Pet’s care, this is a good option.
While pet health insurance can cover 75-90% of vet visits, you must first meet the deductible and make sure the visit is a “covered event.”
3. Prudent Pet
Founded in 2018, Prudent Pet offers your Pet some great extras, such as 24-hour vet cat service and a 24-day money-back guarantee. Not only can you tailor your deductible and reimbursement percentage to fit your budget, but pet owners can also opt for accident-only insurance to save even more.
While accident and health insurance costs about $39 per month for dogs and $23 for cats, there is an additional fee for health insurance. Prudent Pet offers three wellness coverage levels, each for the plan’s cost.
The basic plan costs about $7.95 a month for cats and $11.95 a month for dogs and has a flat fee for each wellness benefit. The intermediate plan, which costs $13.95 per month for cats and $19.95 per month for dogs, offers a higher payout for each wellness benefit.
Established in 2017, the ASPCA is under the purview of the United States Fire Insurance Company. The ASPCA does not require your Pet to be examined before enrollment, and insurance coverage does not begin until 15 days after the policy begins.
Most other pet insurance policies require a waiting period of at least six months for knee ligament injuries and hip dysplasia. Therefore, if your Pet’s breed is predisposed to these conditions, the ASPCA may be the solution for quick coverage.
The ASPCA offers two types of wellness insurance: the basic plan and the basic insurance. The simplest plan costs about $10 per month and includes lump sums for dental cleanings, checkups, vaccinations, deworming, and stool exams.
5. Healthy Paws
According to its website, Healthy Paws was one of the most popular pet insurers from 2010 to 2021. It stands out for its charitable contributions and quick claims processing. Most claims are processed within two days. Healthy Paws offers not only unlimited annual benefits but also unlimited lifetime benefits, which we find truly exceptional.
Healthy Paws is the only company on our list that does not offer wellness coverage. There is only one accident and health insurance policy, which makes it easy to sign up for, although prices and benefits vary depending on the age of the Pet.
Regarding dog insurance, wellness insurance offers an excellent return on investment, especially for puppies and kittens requiring many vaccinations and shots. As adult dogs and cats get older, the cost of vet visits increases, so it is essential to get insurance.
As you can see, each of the above insurance companies has its insurance plan. So you need to find the benefits you need at an affordable price.
Pay attention to other covered services such as grooming, deworming prevention, and dental care for maximum reimbursement.
You can easily find a health plan suitable for your Pet, even if you are on a tight budget.
Knowing that your Pet’s necessary vaccinations and preventive checkups will be covered by insurance will give you peace of mind as a pet owner.