pet insurance include wellness: what it really covers and how to choose

Why wellness matters

Wellness add-ons turn routine care into predictable costs. If you visit the vet often or have a young pet, a wellness rider can smooth expenses and keep you proactive.

What plans typically include

Most carriers separate accident and illness from wellness. With wellness, you may get reimbursements for checkups, dental cleanings, fecal tests, microchipping, and preventive meds. Limits are usually per-service and reset yearly, so reading caps is essential.

Comparing popular options

Broadly, Nationwide and ASPCA bundle wellness tiers, while Lemonade and Spot sell à la carte add-ons. Embrace uses fixed allowances for routine care, and Figo emphasizes vaccines and screenings. The right fit depends on age, local prices, and how many services you’ll use.

• Reimbursement style: per-item caps vs annual allowance
• Waiting periods: some wellness benefits start immediately
• Network: visit any licensed vet
• Dental: preventive cleaning covered or illness-only?

To decide, total your routine care for the year and compare it to the wellness premium plus caps; choose the plan that wins on both math and peace of mind.