Best Pet Wellness Plans of 2020
What do pet wellness plans cover?
Pet wellness plans are either a standalone plan or a part of a bigger pet insurance plan as an add-on that covers routine pet care such as vaccinations, spay and neuter, heartworm tests, fecal screens and more.
Typically, the way a pet wellness plan works is by providing coverage up to a certain dollar amount. For instance, with ASPCA’s Basic Wellness plan, you get $50 annually for annual exams, $20 toward a fecal screen, $100 toward a dental cleaning and $20 toward a rabies vaccination or titer all for $9.95/month. With their Prime Wellness plan at $24.95/month, you get up to $450 in annual benefits toward your pet’s wellness care.
In these cases, you are still responsible for paying the difference between what your pet wellness plan covers and what the vet charges. Some insurers will cover the full amount of care, and you will need to verify this prior to signing up and submitting claims so there are no surprises.
What does a pet wellness plan not cover?
Pet wellness plans usually do not cover things like accidents, illness or injury. They are not pet insurance, so unless you bundle them with a true pet insurance plan, you are still on the hook for high vet office bills if something goes wrong with your pet’s health.
We recommend making sure that your pet is covered by an accident and injury plan along with a wellness plan. When we bring a new pet into our family, most of us make sure that wellness care is within our budget, but it is with the unexpected that we run into trouble.
Pet Wellness Plans vs Pet Insurance
Wellness plans typically do not factor into your deductible, and rather are on a benefit schedule with an agreed-upon amount paid for certain services. They cover routine exams, vaccinations, spay/neuter, routine blood work, fecal exams, teeth cleanings and flea, tick and heartworm prevention.
Pet insurance plans cover accident and illness, emergency and specialist care, prescriptions, orthopedics and hereditary and congenital conditions.
If you are interested in a standalone wellness plan, then there are options for you with Banfield and VCA Care Club, but if you are looking to add on insurance at any point, you may want a plan that has both wellness and insurance. Wellness plans can help diagnose issues early, but they won’t cover your pet if anything is found.
We took a look at all of the pet insurance companies to see what pet wellness plans they offer:
|Pet Insurance Company||Wellness Coverage|
|Companion Protect||Exams only|
Pets Best Wellness Plans
Pets Best has two different options for pet wellness: EssentialWellness at $16/month and BestWellness at $26/month. All plans work on a benefit schedule, and do not apply to the deductible and the deductible does not need to be met for these to take effect.
Here is a look at some of what the plans cover:
The total annual coverage for the Essential plan is $305, and the Best plan is $535 in benefits. Rates are slightly different in Washington ($14/month for Essential and $30/month for Best), but when you get a quote, you will enter your zip and see exact amounts.
Embrace Wellness Plans
Embrace offers Pet Wellness Rewards, which is their version of a pet wellness plan. They offer reimbursement at $250, $450 and $650 per year, and they recommend that you start with the higher plan for puppies and then work your way down.
You will get reimbursed for a variety of items, ranging from wellness exams and vaccinations to chiropractic care and Reiki. Microchipping, grooming, medicated shampoos, teeth cleaning and prescription diet food are some of the everyday necessities that some pets have that are considered reimbursable expenses under Embrace Wellness Rewards. Embrace also reimburses for some unique things like training (obedience and behavioral) and massage therapy.
SPOT Pet Wellness Plans
Since SPOT pet insurance is underwritten by Crum and Forster, they have pet wellness plans that you can get as an add-on to your regular pet insurance coverage. Under their pet wellness offering, you can select either their Gold or Platinum option. Gold Preventive Care is $9.95 a month, while their Platinum Preventive Care option is $24.95 a month. This gives you, as a pet parent, up to $250 in annual benefits with the Gold option, and up to $450 in annual benefits with the Platinum option.
Here’s a look at what the Schedule of Benefits for the SPOT wellness plans looks like:
|Dental Cleaning||$100||$150 (can choose dental cleaning or spay/neuter)|
|Canine DHLPP or Feline FVRCP Vaccine/Titer||$20||$25|
|Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer||$20||$25|
|Canine Bordetella or Feline FELV Vaccine/Titer||$0||$25|
|Canine Heartworm or Feline FELV Test||$20||$25|
Nationwide Pet Wellness Plans
Nationwide offers a product called Pet Wellness, which offers cash back for coverage you need to keep your pet healthy – preventive care. They offer two options: Wellness Basic and Wellness Plus. Wellness Basic ranges in price from $12-$18 per month, and Wellness Plus costs from $17-$22 per month. You can purchase standalone pet wellness coverage from Nationwide, but not all states offer this wellness option.
Here’s a look at what the two different wellness options cover:
|Wellness Basic||Wellness Plus|
|Physical exam: Two per policy term||$50 – $25 max per exam||$60 – $30 max per exam|
|Behavior exam and/or treatment||$30||$30|
|Additional test: Either health screen (blood test), X-rays or EKG||$50 – one max per policy term||$75 – one max per policy term|
|Maximum Annual Benefit||$400||$500|
There are not a lot of major differences between the two options, except that the Wellness Plus option pays a bit more for vaccination and diagnostic, so that option may work better for a puppy or a senior pet, since those pets need a bit more.
Pumpkin Pet Wellness Plans
Pumpkin is a newer pet insurance company on the market, but they are also underwritten by the same underwriter as the other Crum and Forster brands, so they have comprehensive wellness coverage.
Like the other companies, Pumpkin’s pet wellness offering is not insurance – it’s an add-on to an existing insurance policy.
Pumpkin’s pet wellness plan is called the Preventive Essentials Pack, and it covers:
- 1 Annual Wellness Exam Fee
- 2 Vaccines at the Vet
- 1 Fecal Test
- 1 Blood Test for Heartworm or Tick Diseases
You can add on the Preventive Essentials Pack for $18.95 per month, in addition to your other policy charges.
Instead of a ‘Schedule of Benefits’ like other pet insurance providers offer, Pumpkin claims to cover these items ‘in full’ each year. There is no waiting period for wellness care, and you can even get reimbursed for vet wellness care you received in the last two weeks, prior to signing up for your policy.
ASPCA Pet Wellness Coverage
ASPCA is a pet insurance company that allows you to add on preventive care once you select a pet insurance policy. They have two options for wellness: Basic and Prime. If you choose to add on wellness coverage, you can get a maximum annual benefit of $250 or $450, respectively.
With wellness coverage, there is no waiting period, and you do not need to meet your deductible before the items are reimbursed.
The Basic policy is an additional $9.95 per month, and the Prime option is an additional $24.95 per month. Here’s a look at the coverage you get with each plan:
|DHLPP Vaccine or Titer||$20||$25|
|Rabies/Lyme Vaccine or Titer||$20||$25|
|Bordetella Vaccine or Titer||$0||$25|
|Total Annual Benefit||$250||$450|
Wagmo Wellness Coverage
Wagmo is a little bit different in that they focus on wellness and prevention first, and then let you add on insurance. For their wellness, they have three options: Value, Classic and Deluxe.
We did a quote for a mixed-breed puppy, and the costs looked like this:
For the Value plan, the coverage includes 1 office exam, 2 vaccines, 1 routine bloodwork test, and 1 fecal test.
With the Classic plan, pets get 1 office visit, 3 vaccines, 1 routine bloodwork test, 1 fecal test, 1 urinalysis and $100 toward flea/tick and heartworm prevention.
If you have a pet who may need more preventive care, then the Deluxe plan is your best option, with 2 office exams annually, 4 vaccines, 1 routine bloodwork test, 1 fecal test, 1 urinalysis, $200 toward flea, tick and heartworm prevention, $200 for grooming, and $100 for dental care.
Wellness protection starts immediately after you sign up.
PetFirst Pet Wellness Plans
PetFirst offers five different wellness plan options, and you can add any of these onto your existing pet insurance policy with them. The plans cover up to $125, $250, $400, $365, and $575 toward wellness care in a policy year.
Routine Care $125 covers:
Wellness Exam: $15
Heartworm, Microchip, Flea/Tick meds: $50
Behavior Training: $35
Routine Care $250 covers:
Wellness Exam: $25
Heartworm, Microchip, Flea/Tick meds: $60
Behavior Training: $50
Spay/Neuter, Teeth Cleaning, Blood Panel, Urinalysis, EKG: $60
FeLV/FIV, Fecal Tests: $15
Routine Care $400 covers:
Wellness Exam: $35
Heartworm, Microchip, Flea/Tick meds: $100
Behavior Training: $75
Spay/Neuter, Teeth Cleaning, Blood Panel, Urinalysis, EKG: $100
FeLV/FIV, Fecal Tests: $15
Routine Care $365 covers:
Wellness Exam: $50
Vaccinations, Flea/Tick, Heartworm Meds: $75
Microchip, Health Certificate, Behavioral Exams/Treatment: $60
Spay/Neuter, Teeth Cleaning: $100
Tests: FeLV/FIV, Fecal, Blood Panel, Urinalysis: $65
Routine Care $575 covers:
Wellness Exam: $75
Vaccinations, Flea/Tick, Heartworm Meds: $100
Microchip, Health Certificate, Behavioral Exams/Treatment: $120
Spay/Neuter, Teeth Cleaning: $150
Tests: FeLV/FIV, Fecal, Blood Panel, Urinalysis: $100
Lemonade Pet Wellness Plans
Lemonade Pet Insurance is a new company to the pet insurance market. They offer pet wellness in the form of exams, bloodwork, heartworm and fecal tests, and three vaccinations.
Standalone Pet Wellness Plans
Banfield Wellness Plans
Banfield offers pet wellness plans only, not pet insurance. Their plans are designed to help you maintain and keep optimal pet health with preventive pet health care. We checked to see what it would cost to get our Newfoundland covered under a basic pet wellness plan (the Special Care plan) plus dental cleanings plus other care including flea and tick prevention, and the cost came to $48.95 per month.
With Banfield, you need to use all of the services or the monthly cost won’t make sense. They have three wellness plans for dogs: Essential Wellness, Active Prevention and Special Care.
The Essential Wellness plan covers vaccinations, diagnostic testing, a comprehensive physical exam (2 a year), fecal exams and deworming. Active Prevention covers the same as well as dental cleaning and urine testing. The Special Care plan covers the same as the others, plus preventive x-rays, eye pressure test, ECGs, as well as a higher discount on other Banfield products.
With Banfield, you can also add spay and neuter, parasite control, genetic analysis, chronic care options and more.You will enter into an annual agreement, with the monthly cost spread over 12 months. You can upgrade or downgrade at any time with your 12 months starting over from that point, and if you do cancel before the 12 months is up and you have used services, you are still responsible to pay for the services for as many months as that takes.
PetAssure is an alternative to traditional pet insurance, where it offers a discount on veterinary insurance. This works well if you have a pet with pre-existing conditions, need wellness care and your plan does not have it, or you simply want to use a discount plan for your pet care needs. While pet insurance can cover 75-90% of veterinary visits, you must also meet a deductible and make sure your visit is considered a ‘covered instance.’ For this reason, the PetAssure option is a good add-on, alternative or solo policy to make sure you are able to get your pets the care they need.
VCA Care Club
VCA Care Club is a plan you can get directly through VCA that covers wellness care on a Schedule of Benefits. With VCA Care Club, you can get different levels of care, depending on if you have a puppy, an adult dog, a senior dog, a kitten, an adult cat or a senior cat. Usually, coverage will include vaccinations, wellness exams, fecal exams and more, depending on the age of the animal. VCA does not have a pet insurance opton, so their coverage is purely preventive and diagnostic. If any issues are found, those will need to be taken care of out of pocket.