When paying for dog insurance, you want to get the most out of it as possible. That’s why it’s a good idea to choose the best dog insurance with wellness coverage. That way, you not only have financial protection against injuries and illnesses, but you can take advantage of discounts on routine veterinary visits and other dog-related services.
It’s also important to read through your dog insurance policy carefully to ensure you understand exactly what is covered and what isn’t. Make sure you have the right amount of coverage for your budget and lifestyle. Additionally, be sure to review your policy annually to make sure your coverage is still up-to-date and adequate. Finally, when choosing an insurance provider, it’s important to research their customer service record and reputation to make sure you’re getting the best coverage for your money.
What Wellness Coverage Provides Dog Owners
Wellness coverage covers expected costs associated with routine or preventative care. For example:
- Annual Exams
- Vaccinations
- Dental Care
- Spay/Neuter
- Microchip
- Diagnostic Testing (X-Rays)
- Pre-existing conditions
- Treatment for behavioral issues
*Pet insurance providers do not cover the costs of treatment for pre-existing conditions. Instead, pet parents are responsible for the costs. Pet wellness plans can help pay those vet bills.
Dog Wellness Plan vs Insurance
A pet wellness plan can be a great way to ensure your dog is kept healthy and happy. With a wellness plan, you can have routine check-ups, vaccinations, and preventive care all covered. This can be especially beneficial for puppies, as they require more frequent visits to the vet. You can also get discounts on other services, such as dental care, spaying and neutering, and more. Plus, you can get discounts on preventative medications, such as flea and tick prevention.
On the other hand, pet insurance can provide coverage for unexpected events, such as illnesses and injuries. Depending on the plan you choose, you may have coverage for routine check-ups, vaccinations, and preventive care, as well. However, some plans may not include coverage for preventative medications or dental care. Additionally, pet insurance plans typically come with a deductible and/or co-pay, which can add up quickly. It’s important to compare plans to find one that fits your budget and provides the coverage your pet needs.
It’s also important to consider what type of pet you have when choosing a plan. Dogs and cats may have different needs, and some plans may be more suitable for one than the other. If you have an exotic pet, such as a reptile or bird, you may need to find a plan that covers their specific needs. Additionally, if your pet has a pre-existing condition, you may need to find a plan that covers this type of care. Finally, be sure to read the fine print on any plan you choose so you know exactly what’s included and excluded.
Dental Insurance for Dogs
Pet insurance plans do not cover dental cleanings BUT if a dog suffers from periodontal / gum disease or needs tooth extraction, the costs of treatment are covered.
Dental cleanings are covered by wellness our routine care coverage options. By having pet insurance AND wellness coverage, your pup can receive the dental care needed to maintain oral health.
Read more about Dog Dental Insurance.
The Best Dog Insurance with Wellness Coverage
Each pet insurance provider has its own pet wellness plans. Reviewing the wellness care each one offers may help narrow down the list of choices. The following are some of the best dog insurance with wellness coverage and what each one’s wellness care plans include.
ASPCA Pet Health Insurance
The ASPCA Pet Health Insurance plans also cover certain vaccinations, such as distemper and rabies. This helps to ensure that your pet is protected from these diseases. In addition, if your pet has an accident or becomes ill, the insurance will cover a portion of the costs for treatments. Each plan offers a different level of coverage and includes a deductible that must be met before any reimbursements are made.
The ASPCA Pet Health Insurance plans are designed to provide pet owners with peace of mind that their pets will receive the care they need if something unexpected happens. It also helps to ensure that their pet is receiving the preventive care that is necessary for their long-term health and well-being. The comprehensive plans offer pet owners the assurance that their pets will be taken care of if an emergency arises.
ASPCA Dental Insurance
The ASPCA Dental Insurance Plan is designed to give pet owners peace of mind that their furry family members are receiving quality dental care. The plan covers routine dental cleanings, extractions, and x-rays, as well as advanced treatments like root canals or periodontal therapy. The plan also covers any necessary dental supplies, such as toothbrushes and toothpaste, to help keep your pet’s teeth and gums healthy. Plus, the plan also covers emergency dental treatment, so if your pet has a dental emergency, you don’t have to worry about the cost. With the ASPCA Dental Insurance Plan, you can be sure that your pet is getting the best dental care possible.
Learn more about ASPCA Pet Health Pet Insurance.
Wellness Coverage Is an Add-On to Pet Health Insurance
It’s important to be aware that pet parents cannot take advantage of pet wellness plans by enrolling in a pet insurance policy. When shopping for pet insurance with wellness options, keep in mind what factors determine the cost of insurance.
- Pet’s Health (pre-existing conditions)
- Breed (hereditary conditions – hip dysplasia)
- Pet’s Age (senior dog insurance is often more expensive)
- Accident-Only Plan vs. Accident and Illness Coverage
- Location
Other factors contributing to dog insurance costs are annual deductibles and reimbursement levels. Just like human health insurance, the higher the deductible, the lower the monthly premium. Reimbursement rates also matter – higher ones cost more than lower ones.
Affordable dog insurance is possible. The best pet insurance companies offer discounts for being a military member, having multiple pets on a pet insurance plan, or working in an animal-related career.
It’s also possible to have an illness or accident-only plan for your policy. Illness coverage will only cover new illnesses or conditions that arise. Accident-only plans cover treatment for injuries from the accident.
Other Important Considerations About Pet Insurance
Most pet insurance companies have to wait 14 days after enrollment into a pet insurance policy. This prevents people from enrolling their pets into a pet insurance policy immediately after something has happened that requires emergency care – an accident occurs that results in injuries. Pet insurance should be for unexpected situations, not ones that have already occurred. This is why pet insurance companies research pre-existing conditions to ensure new enrollees are not suffering from a chronic condition or heredity condition already – like hip dysplasia.
As adults, we invest in health insurance to protect our financial health because if a health emergency occurs we are in a better position to pay for treatment. The same goes for our pet’s health. No dog owner should ever have to decide between their pet’s health and financial health.
Pet insurance providers make it possible for us now to have to worry about paying for unexpected medical treatment. For between $30-$60 a month, you can feel peace of mind that if anything were to ever happen to require expensive medical treatment, it would be covered.
Wellness coverage adds an extra layer of benefits to reduce the financial responsibilities of being a pet parent.
Special Note for Pregnant Dogs: Pregnant dogs need special pet insurance. Learn more about pet insurance for pregnant dogs.
