For the Purrbabies

Most pet insurance policies cover accidents and emergencies, but you’ll need to find a wellness plan for routine care.
👉 Before you dive into the article, be sure to familiarize yourself with the terms and verbiage used regularly when talking about pet insurance in our pet insurance glossary.
Pet insurance comes in handy when your pet needs urgent medical attention. Unfortunately, vet visits are rarely covered under a standard insurance policy. Insurance providers have begun offering wellness plans, however, to help cover these routine vet costs.
Unlike traditional pet insurance, a wellness plan helps cover routine vet care. It’s designed to spread out the costs of preventative care over a year rather than paying a lump sum during your pet’s routine checkup. On top of that, wellness plans often come with a short waiting period and little to no deductible.
Wellness pet insurance plans cover expected veterinary costs and routine care, such as:
While most insurers offer some sort of wellness coverage, some plans have more exclusions than others. Many providers also offer differing levels of coverage to better meet your budget and pet’s needs. The following pet insurance companies all offer comprehensive wellness plans:
While pet insurance is important to have for injuries or illnesses, the cost of routine care can add up fast. A single vet trip usually runs from $125 to $500 without insurance. This could be even higher for those with puppies/kittens or elderly pets. Most add-on wellness plans only cost an additional $10 to $20 per month, and the extra coverage they offer can save you money in the long run.
Consultations and vet visit fees usually aren’t covered by traditional insurance policies. If you specifically pay for wellness coverage, routine consultations are more likely to be covered.
Depending on your policy, pet insurance can help cover vet expenses. Traditional policies cover accidents and illnesses, while wellness plans help with preventative care.
No, traditional pet insurance doesn’t cover vet visits. But a pet wellness plan may cover the cost.
Emergencies can happen at any time, so you should buy pet insurance as soon as you get a new pet. That’s because any illness or injury your pet develops before enrolling in pet insurance will be considered a pre-existing condition and ineligible for coverage.