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Insurance vs. Wellness Pet Insurance Plans

When you decide to enroll in a new pet insurance policy, there are different levels of coverage.

There are comprehensive policies that cover all accidents and illnesses, as well as wellness plans that cover preventative or routine care.

While both plans offer very valuable procedures as well as benefits, they are very different.

It’s important to understand the difference before signing up with either plan.

Pet Insurance Plan Coverage

With pet insurance, you get covered for all accidents and injuries and the comprehensive plan is the most well-rounded and inclusive.

An accident-only plan is structured a bit differently and is real coverage for only accidents.

Most pet insurance policies cover a minimum of the following:

  • All accidents and illness
  • Surgeries
  • Specialist Care
  • Alternative Therapy (some at an additional cost)
  • Emergency care
  • Hereditary and congenital conditions
  • Prescription medications
  • Orthopedic issues
  • Diagnostic exams

Pros of Pet Insurance

The reason you purchase pet insurance is to be covered for most of your vet bills or anything that might occur that is unexpected.

If your pet injures his paw, suddenly has diabetes, or is rushed to the emergency room, you know that most of your vet bill will be covered and even up to 90% (if you chose that reimbursement level).

You always want your pet to get only the best level of care and with pet insurance, you usually can do that.

It’s scary enough to have to deal with the emotional trauma of your pet becoming ill or hurt and to have the financial part covered is a huge relief.

Cons of Pet Insurance

While pet insurance can help you save money if your pet gets sick or injured, you are paying a monthly premium even if your pet is healthy all year.

It is similar to human health insurance in that regard.  You are paying a monthly premium just in case you need that extra vet visit or emergency treatment.

Some pet insurance companies, like Embrace, offer a healthy pet discount which is a discount in the event that your pet is healthy all year long and you haven’t received any reimbursements.

Some people prefer to put money aside each month in an emergency fund for their pets for just these reasons.

Wellness Plan Coverage

Wellness plans are generally coverage for preventative care procedures or routine procedures that are not offered under pet insurance plans.

Not all pet insurance companies have pet wellness plans.

Healthy Paws, for example, doesn’t offer a wellness plan because they want all your money to go towards accidents and illness coverage.

Wellness plans are an add-on to a pet insurance plan.

Therefore, you need to sign up for a pet insurance plan to then subsequently sign up for a wellness plan.

Only Nationwide pet insurance offers a stand-alone wellness plan.

Wellness plans usually cover the following:

  • Vaccinations
  • Microchipping
  • Vet visits
  • Parasite prevention
  • Dental care
  • Deworming
  • Wellness exams
  • Routine screenings
  • Behavior training
  • Grooming

Pros of Wellness Plans

Wellness plans can help offset some of the costs of the routine vet visits and procedures that you know you will use such as vet visits and vaccinations.

While the prices are less expensive than pet insurance plans and generally range from $15 to $20 a month, they are an additional fee to your pet insurance plan.

And each plan has a payout limit per year.

If the added expense, as well as the amount of coverage you get from the wellness plan, is less than your normal routine procedure costs than wellness plans can be beneficial to you.

For example, if your wellness plan is an additional $150 a year and offers you up to $200 worth of preventative care and you know you will spend that $200 than a wellness plan would work for you.

Puppies and kittens are also good candidates for wellness coverage.

With their vaccinations and extra vet visits as well as spaying and neutering options, a wellness plan could save you money.

Cons of Wellness Plans

Wellness plans can certainly be a plus if you see your vet often for preventative care procedures.

But, they are an added expense to a pet insurance policy. And most of these expenses are easily payable out of pocket.

Wellness plans do offer dental coverage, but only a very limited amount.

For instance, most will offer a stipend of $400 to $600 for dental care and one-teeth cleaning could cost well over that.

Summing Up Insurance vs. Wellness

Now that you know the difference between wellness and pet insurance plans, you can decide the best option for you and your pet.

Not all pet insurance providers offer wellness plans but if it is of interest to you, make sure to look for a pet insurance company that does like Embrace or Pets Best.

Our top 10 pet insurance companies of 2019 offer a detailed list of the best companies and which plans they have to offer.

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