Best Dog Insurance with Wellness Coverage

February 26, 2022by DOGuide0

Dog insurance policies do not cover routine care or preventative care costs. Many pet insurance companies offer wellness care options. Knowing the best dog insurance with wellness coverage can help you choose the right pet health insurance provider for your needs.

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 insurance wellness coverage

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.

Embrace Pet Insurance Wellness Rewards

Embrace Pet Insurance offers an optional wellness plan they call Wellness Rewards. This added wellness care plan to the policy helps pet owners budget for wellness exam fees and other health-related services to ensure their pets remain healthy. A pet owner pays for the care costs their pet needs monthly and uses the plan to pay for vet bills, which means not paying a large sum of money at one time. Plus, there is a discount with using the plan of about $25.

Read Embrace Pet Insurance Coverage for more information on Embrace’s Wellness Rewards.

PetFirst Wellness – Routine Care Rider

PetFirst Insurance has some of the best discounts on routine care with its Routine Care Rider discount program. Policyholders pay an annual cost for a plan that meets their needs. When pet owners utilize one of the wellness care services included in the coverage, some of the cost is already taken care of through the policy.

For instance, for $125, pet parents receive up to:

  • $15 for wellness exam fees.
  • $25 for vaccinations.
  • $50 for preventive care such as heartworm test, Microchip ID, flea and tick meds
  • $35 for behavior training

To review all of the options available, read PetFirst Wellness Plan.

ASPCA Pet Health Insurance

ASPCA Pet Health has a few preventative care coverage options available. Each one has a list of services covered and comes with a set of maximum annual benefit amounts.

An example of how ASPCA Pet Health Insurance’s wellness plan works is let’s say exams have a reimbursement amount of $50. When you take your pup to the vet for an exam, you pay for it, submit a claim to ASPCA Pet Health and then receive a check for it.

Learn more about ASPCA Pet Health Pet Insurance.

wellness coverage with dog 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 for periods like a 14-day waiting period 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.

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