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Preventive care is the backbone of your pet’s health. Vaccines protect against serious diseases like rabies and kennel cough, and regular exams catch problems early, when they’re easier to treat.
Most standard pet insurance policies don’t cover these services, but some insurers offer standalone “wellness” packages that pet owners can opt into.
Here’s a big-picture look at how these plans work in real life, and how much value they offer.
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Key Takeaways
Preventive care coverage is usually sold as an add-on to accident and illness policies, not as a standalone plan. On average, these plans cost $15 to $33 per month and pay anywhere from $250 to $800 a year for your pet’s routine care. At best, you might save a few hundred dollars a year, but only if you use every benefit Wellness plans can be a useful budgeting tool, but they’re not always worth what you end up paying for them.
What is ‘wellness care’ for pets?
Wellness care is basically all the routine stuff your pet needs to stay healthy (checkups, vaccines, dental cleanings, and the occasional lab work). It’s the pet equivalent of oil changes for your car: regular, expected and not something insurance covers.
Pet insurance coverage typically steps in when a dog or cat has an accident or sudden illness, not when their owner takes them to their yearly checkup.
To bridge this gap, some insurers sell preventative care packages that cover part of the costs to keep your pet healthy. Technically, these aren’t insurance; they’re more like a prepaid vet care plan that includes:
Annual wellness exams Vaccinations Flea or tick prevention Bloodwork Microchipping Teeth cleanings Dental exams Spay or neuter surgery
How do pet wellness plans work?
You pay a monthly fee on top of your pet insurance premium and, in return, the insurer reimburses you for certain routine expenses, up to a set limit. These plans don’t have deductibles or waiting periods, so you can start using the benefits right away.
Each service has its own reimbursement cap. For example, the insurer may cover up to $15 for the rabies vaccine and up to $50 per year in vet exam fees. Sometimes, the benefit is shared between two services, like spay/neuter surgeries and dental cleanings, and you can only get reimbursed for one per year.
Here’s breakdown of benefits for a wellness plan that costs $15 per month, and provides up to $305 in annual reimbursements.
Wellness item
Annual reimbursement
Wellness exam
$50
Flea or tick prevention
$80
Other vaccines/titer tests
$30
Rabies vaccine
$15
Heartworm test
$25
Bloodwork or fecal test
$50
Microchip
$20
Urinalysis
$15
Deworming
$20
At first glance, it seems like a solid deal. You pay $180 a year to get up to $305 back.
But you only come out ahead if you actually use every service, and that might not happen every year. Microchipping is a one-time expense and vets don’t always need to draw blood or take urine samples at annual checkups.
The best case scenario: you use every covered service and save around $100, especially if you’re getting multiple rounds of vaccines for new pup or kitten, and the plan includes expensive procedures like spay/neuter surgeries and dental cleanings
In a more typical scenario, you don’t claim every benefit, and what you paid ends up being about the same or more than paying out-of-pocket, especially if your local vet offers service bundles tailored to your pet. For instance, a routine care bundle at a Vetco facility that includes the recommended vaccines and tests would set you back $199.
Are pet wellness plans worth it?
Pet wellness plans can be valuable, especially during your pet’s first year or as an incentive to visit the veterinarian regularly.
Cost savings for young puppies and kittens: Many wellness plans cover procedures like microchipping and spaying or neutering, so they can provide more value if your pet is young. Encourages regular care: With a wellness plan covering up to a set amount per year, you’re more likely to take your dog or cat in for routine care to maximize the plan’s value. Helps budget for routine care: Preventative care plans help spread out the cost of routine care into monthly installments, keeping your veterinary costs predictable.
But wellness plans aren’t without drawbacks. They’re usually only available as add-ons to accident and illness policies, which limit options if you don’t already have pet insurance or care for a senior pet that’s too expensive to insure.
More importantly, these plans can get pricey. We got multiple quotes for well-known pet wellness plans and found that yearly rates start around $168 for basic coverage and go up to $600 for plans with more benefits. If you don’t use every covered service, you could end up paying hundreds in premiums each year with little to no reward.
Before adding this plan to your pet insurance policy, it’s a good idea to survey the cost of routine care in your area. Check out low-cost vet clinics and hospitals, and compare what you’d pay outright to what you’d save with a wellness rider (including the monthly premiums).
Alternatives to preventive care or wellness plans
These alternatives can help you manage veterinary expenses if subscribing to a wellness plan is not cost-effective for you:
Veterinarian-offered plans
Some veterinarians offer in-house wellness programs for a lump sum payment or a monthly membership. You can get discounts on vet exams, dental care, vaccines, parasite testing and routine lab work. The downside? In-house wellness programs only apply to care with that veterinarian, not others.
High-yield savings accounts (HYSAs)
Opening a dedicated savings account for your dog or cat is a great way to plan for future vet care. Setting aside a monthly sum of $10 to $50 will help you cover the cost of dental cleanings, blood tests, or other expenses.
Discount plans
Veterinary discount plans are membership-based plans that provide discounts on veterinary care from in-network providers in exchange for a monthly fee. When you join, you can qualify for discounts on wellness vet visits, vaccinations, dental exams, dental cleanings, and more.
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FAQ
Does pet insurance cover vaccines?
No, pet insurance policies don’t cover routine care like vaccines. Some pet insurance providers allow you to add wellness plans which cover a portion of your pet’s vaccinations, but there is an extra cost for these plans.
Should you add preventative care to pet insurance?
Whether you should add a preventative care plan to your pet insurance policy depends on your pet’s age, how often you go to the vet, and your budget. Wellness plans are best for owners of young dogs or cats who stick to regular vet schedules.
How much is a pet wellness exam?
According to financial services company Care Credit, a routine vet visit ranges from $53 to $174, depending on the purpose of the visit, where you live, the type of pet and whether you visit a emergency vet, a specialist or a general practitioner.
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