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Can Pet Wellness Plans Replace Pet Insurance?

Saturday, January 23rd

Can Pet Wellness Plans Replace Pet Insurance?

If you've ever thought about getting your pet an insurance plan, you may have also heard about pet wellness plans. Wellness plans do differ from pet insurance plans in what they cover and how you might want to use them. In this article, we're going to take a look at pet wellness plans and pet insurance plans. We'll discuss why each is beneficial (we'll compare and contrast), how you can tailor coverage to your needs, and other situational circumstances that may affect your coverage.

What Are Pet Wellness Plans?

Pet wellness plans are different from insurance plans in that they cover day to day checkups and routine medical procedures. If you're concerned about regular vet visits not being covered under your pet insurance, a pet wellness plan might be a great idea for you.

What Does It Cover?

Things like annual exams, teeth cleanings, blood, fecal, urine, and worm testing, vaccinations, tick and flea treatments, and much more can be covered under a pet wellness plan. Anything that you might consider to be a non-emergency could be covered under a wellness plan instead of a pet insurance plan.

In many cases, a wellness plan offered by a veterinary clinic is more like an installment plan, in that it gives you a single monthly price to pay in order to ensure your pet gets all basic necessities covered, instead of paying for each thing separately. This helps ensure your pet gets regular checkups, dental care, and necessary vaccinations, without you having to budget separately for each item.

Wellness Rewards

If you choose to enroll in a wellness plan, you may find that it is offered in addition to your pet insurance plan. When you choose your wellness plan you may be able to consider how often your pet will be visiting the vet. Some plans offer wellness rewards as a benefit to your insurance. What usually happens is you will enroll in an insurance plan, then, for an added fee each month, you'll have a certain amount of annual coverage for your wellness plan. For example, you may choose a plan that reimburses you $250 - $650 per year related to routine procedures. In order to receive a higher reimbursement for those procedures, you'll have to pay a higher monthly fee. However, it pays off greatly in the end if you find yourself taking your pet to the vet often.

How Do You Get a Pet Wellness Plan?

Some wellness plans are stand alone, while others require you to first purchase an insurance plan. It's very common for insurance plans to offer a wellness plan with an additional monthly fee. However, if you don't think you'll need any additional coverage, you can absolutely look for a plan that just covers routine medical procedures.

What Are Puppy Wellness Plans?

Puppy wellness plans are specifically tailored for young dogs that need a lot of attention. As you may know, puppies usually require a lot of care in their first year or two of life. Routine shots, tests, preventative care, etc. are needed to make sure your puppy stays healthy for years to come. These plans are made for pet owners who expect to visit the vet quite a lot for their young pup. If you don't want to spend a bundle after bringing home a new puppy, a pet wellness plan is a great idea to avoid breaking the bank on routine visits.

Pet Wellness Plans vs. Pet Insurance

Pet wellness plans often cover routine procedures and checkups for your pets. On the other hand, pet insurance is commonly used to save you from more expensive procedures and emergencies. Things like surgeries, sudden extreme illnesses, emergency care in general, prescription medications, and more are frequently covered under pet insurance policies. Here is a comparison of what each service covers so that you can determine if one or the other (or maybe both) would be best for your pet.

Pet Wellness

  • Checkups
  • Routine Blood Work
  • Flea & Tick Prevention
  • Spaying/Neutering
  • Vaccinations
  • Teeth Cleaning
  • Good for Puppies & Young Animals
  • Low Monthly Fee

Pet Insurance

  • Emergencies
  • Surgery
  • Accidents
  • Essential Medications
  • Good for Pets With Serious Medical History
  • Good for Aging Pets
  • Good for Purebred Pets With Known Health Risks
  • Affordable Monthly Fee

Is Pet Insurance Worth It?

Absolutely, pet insurance is worth it. Unexpected things happen all the time when you're a pet owner. Regular visits to the vet for simple procedures can often leave you with a large bill. Compare that to an emergency situation, and you could be shocked at how much a surgery, emergency treatment, or regular medications cost you out of pocket. Pet insurance can save you thousands of dollars over your pet's lifetime.

How Much Is Pet Insurance?

Pet insurance isn't as expensive as you may think. Although you can spend more to receive more coverage, people (on average) have a fairly low monthly bill. Some wellness plans and insurance plans start at as little as $10 to $15. However, most people fall somewhere in between the $20 to $60 plans. The great thing about pet insurance, is that you can usually tailor your plan for whatever you need. There are so many great options out there for pet owners who have varying medical needs with their pets.

Pet Insurance for Cats

Pet insurance isn't simply for dogs and puppies. There are plenty of plans out there that cater directly to the needs of cats. As cats age, they may experience common feline health problems. These health problems are specific to cats and as such, you can find an insurance plan that covers all the most common feline health problems. Sometimes it helps to be covered only for the things that affect your animal, which is why there are pet insurance plans for cats and for dogs. As with the wellness plans and insurance plans we already discussed, coverage and monthly fees will vary. However, you'll have the peace of mind knowing that your cat's particular health issues (and potential problems that may develop in the future) are being met and are guaranteed to be covered.

Pet Insurance for Dogs

Just the same, there are many ailments that only affect dogs, especially purebred dogs. If you know that your particular breed has a history or elevated risk for certain medical problems, it's a great idea to talk with your insurance provider to ensure that their medical needs are covered. Although, these days, most pet insurance that is tailored for one type of animal (cats, dogs, etc) will make sure to cover all common medical issues that those animals are likely to experience in their life. So, if you're wanting a plan that addresses your animal's direct needs, try and find one that is specifically a cat or dog insurance maybe instead of general pet insurance. Many providers offer this type of coverage for all sorts of pets.

What About Pets With Disabilities?

Your pet may already have a condition that requires medical attention. If this is the case, you'll want to make sure you talk with your insurance provider about their needs and the level of coverage that you'll require. Just because your pet already has a medical issue, does not mean that they won't be covered. Yet, some companies will have specific rules and guidelines regarding pre-existing conditions that you should know about.

Pet Insurance Pre Existing Conditions

A pre-existing condition is regularly defined as a medical issue that you have been aware of before you start seeking medical coverage. Just as with human insurance, some insurance providers will make you sit through a waiting period before a certain condition can be covered. For example, your plan may say that any pre-existing conditions will not be covered for a year. Let's say your dog has had stomach problems before you sought medical coverage. If your dog's stomach problems resolved, but then reappeared a year later, your insurance may count that as a pre-existing condition.

As such, it's always a great idea to decide to get pet insurance as early as possible with a new pet. If you decide to enroll in pet insurance and/or a pet wellness plan early on, you won't have to worry about certain procedures, medications, or other situations potentially not being covered by your insurance. It's always best to seek out pet insurance before there is any sign of an issue instead of after. Of course, this isn't always possible, so it's a great idea to talk to your vet and pet insurance provider to discuss options about pre-existing conditions.

As you can see, pet insurance is very important at any point in an animal's life. If you own any pet, it's a wonderful time to start thinking about pet insurance. What's more, if you are a pet owner and your pet is seeing the vet for routine checkups, you might also want to think about getting a wellness plan on top of your regular pet insurance. However, you can always get the best plan that suits your pet's needs. Whatever the case may be, pet insurance is sure to save you a lot of stress and cash by helping you plan ahead for checkups or emergencies.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.

Compare Pet Insurance Companies

Select any 2 Pet Insurance Companies to compare them head to head

best-pet-insurance
  • Pets Best
  • Embrace
  • Healthy Paws
  • Figo
  • Pet Premium
  • ASPCA
  • Trupanion Pet Insurance
  • Petplan
  • Pet Assure
  • Nationwide
  • Pet First
  • 24 Pet Watch
Pets Best vs Embrace Pets Best vs Healthy Paws Pets Best vs Figo Pets Best vs Pet Premium Pets Best vs ASPCA Pets Best vs Trupanion Pet Insurance Pets Best vs Petplan Pets Best vs Pet Assure Pets Best vs Nationwide Pets Best vs Pet First Pets Best vs 24 Pet Watch Embrace vs Healthy Paws Embrace vs Figo Embrace vs Pet Premium Embrace vs ASPCA Embrace vs Trupanion Pet Insurance Embrace vs Petplan Embrace vs Pet Assure Embrace vs Nationwide Embrace vs Pet First Embrace vs 24 Pet Watch Healthy Paws vs Figo Healthy Paws vs Pet Premium Healthy Paws vs ASPCA Healthy Paws vs Trupanion Pet Insurance Healthy Paws vs Petplan Healthy Paws vs Pet Assure Healthy Paws vs Nationwide Healthy Paws vs Pet First Healthy Paws vs 24 Pet Watch Figo vs Pet Premium Figo vs ASPCA Figo vs Trupanion Pet Insurance Figo vs Petplan Figo vs Pet Assure Figo vs Nationwide Figo vs Pet First Figo vs 24 Pet Watch Pet Premium vs ASPCA Pet Premium vs Trupanion Pet Insurance Pet Premium vs Petplan Pet Premium vs Pet Assure Pet Premium vs Nationwide Pet Premium vs Pet First Pet Premium vs 24 Pet Watch ASPCA vs Trupanion Pet Insurance ASPCA vs Petplan ASPCA vs Pet Assure ASPCA vs Nationwide ASPCA vs Pet First ASPCA vs 24 Pet Watch Trupanion Pet Insurance vs Petplan Trupanion Pet Insurance vs Pet Assure Trupanion Pet Insurance vs Nationwide Trupanion Pet Insurance vs Pet First Trupanion Pet Insurance vs 24 Pet Watch Petplan vs Pet Assure Petplan vs Nationwide Petplan vs Pet First Petplan vs 24 Pet Watch Pet Assure vs Nationwide Pet Assure vs Pet First Pet Assure vs 24 Pet Watch Nationwide vs Pet First Nationwide vs 24 Pet Watch Pet First vs 24 Pet Watch
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