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Compare Pet Wellness Plans

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Here are the best pet wellness plans in America. These plans cover routine care expenses like shots, exams and vaccinations.


Embrace Pet Insurance

Embrace Wellness Rewards

Option of $250, $450 or $650 per year in wellness coverage.

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Pets Best Insurance

Pets Best BestWellness

You can add BestWellness routine care coverage to any regular plan.

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Nationwide Pet Insurance

Nationwide Pet Wellness

Whole Pet with Wellness covers 90% of all routine care expneses.

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ASPCA Pet Insurance

ASPCA Pet Wellness Plan

Option of $250, $350 or $500 per year in wellness coverage.

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PetPremium Pet Insurance

PetPremium Wellness Care

Option of $250, $350 or $500 per year in wellness coverage.

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 AKC Pet Insurance

AKC Pet Wellness Plan

 Choose between Defender and Defner Plus Wellness Coverage.

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Routine Care and Wellness

When shopping and comparing pet wellness insurance coverage, you will find that there are 12 pet insurance companies in America. Each of these companies provides major medical coverage, however, only some of them offer optional wellness plans.

As a pet parent, provide your pet with the best level of medical care possible to ensure a long and healthy life. One way to accomplish that is to sign up for pet insurance with wellness coverage. provides the necessary information to compare health and wellness plans either by filling out a simple and quick online form for a free quote or by using our easy comparison chart.

Our services help pet owners get the best and most affordable pet insurance with preventative care possible.

Here you'll find a comparison chart of all nine companies that offer pet wellness coverages.

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More About Wellness Plans

Before you can buy a wellness plan you must first choose a pet health insurance company that offers wellness coverage. These companies require that you purchase a standard accident and illness policy, which is an eligibility requirement for pet wellness coverage.

This requirement is set by all of the insurers who offer pet wellness insurance with the exception of one. Nationwide allows pet owners to buy their wellness plan even if they choose not to purchase a standard accident and illness policy.

One of the benefits of having a pet wellness plan, regardless of the insurer, is that there are no deductible or co-payments, so you can use them for covered expenses at any time.

Wellness Plan Details

Pet wellness plans are designed to ensure that pets has access to important preventative care and exams by covering expenses associated with pet health services.

These are the necessary expenses that are planned and predictable each year. Because accident and illness plans, which are necessary in order to get a wellness plan, are designed to help you manage the risk of large, unexpected vet bills, you are receiving maximum coverage for your pet's care, whether expected or otherwise.

Here is an overview to help illustrate the benefits of having both accident and illness and wellness pet insurance plans.

Treatments Covered by Wellness Plans

  • Annual Exams
  • Spay / Neuter
  • Teeth Cleanings
  • Blood Panels
  • Heartworm Tests
  • Fecal Tests
  • Urinalyses
  • Rabies Vaccination
  • DHLP Vaccination
  • Parvo Vaccination
  • Bordetella Vaccination
  • Lyme Vaccination
  • Giardia Vaccination
  • Flea, Tick & Heartworm

Treatments Covered by Major Medical Plans

  • Accidents
  • Illnesses
  • Hereditary Conditions
  • Orthopedic Conditions
  • Prescription Meds
  • Emergency Care

Do You Need Wellness Care?

Shih Tzu dog sitting on a pile of money

Wellness plans are best for pet owners who regularly spend $400 to $500 per year on routine care for their dogs or cats. If you normally spend that much on your pet's care, a wellness plan can help you save money as the cost of the plan will be less than your annual routine care expenses.

If you don't spend that much on annual routine care a wellness plan is likely not a good fit. For example, if you just spend $100 per year for an annual visit and some shots, it's better to pay for routine care out of pocket rather than make monthly payments on pet insurance that covers wellness visits.

Annual Wellness and Routine Care Costs

Two veterinary students from PennVet, did an in-depth study of the costs involved in raising a dog. Their research compared the average cost of raising dogs in the first year and came up with the following figures:

  • Small dog breeds - $2,674
  • Medium dog breeds - $2,889
  • Large dog breeds - $3,239
  • Giant dog breeds - $3,536
  • Average first year cost across all sizes - $3,085

And here are the annual, recurring expenses broken down by category:

  • $432 per year on supplies
  • $435 per year on food
  • $389 per year on preventative medications
  • $650 per year on veterinary costs*

These figures suggest that annual veterinary care costs roughly $1,039 per year on average for preventitive medications and veterinary costs including lab work. To further breakdown the cost of wellness and routine care, here is a list of common annaul expenses for dogs. The costs vary from low to high based on your dog's breed, age, size and where you live (cost of living).

Type of Care Low
Office Visits (1-2x)
$45 $110
Vaccines (2-4x) $36 $100
Heartworm Test $45 $50
Heartworm Meds $36 $132
Flea & Tick Prevention $200 $500
Fecal Exam $25 $45
Dental Cleaning $70 $400
Allergy Testing - Skin $195 $250
Allergy Testing - Blood $200 $300
Other $50 $100
Total $902 $1,987

* Expense for one serious illness per year was included in the figures.

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Alternative Wellness Options

If you're looking for alternative wellness options for your pet there are some resources. Banfield, Vetco (through Petco) and PetSmart all offer wellness care through their physical locations.

Banfield does not offer pet insurance, but they do have pet wellness plans for $33/mo. The downside is that their Optimum Wellness and Banfield Puppy Plans do not cover accident or illness treatments or flea and tick medication. Instead, they only provide specific care meant to promote pet wellness.

Pet insurance in general cannot be used at Banfield Pet Hospitals as they do not cover the type of services that are provided. Additionally, Banfield plans are only accepted at Banfield locations.

Click on the links below to learn more about these pet wellness options.

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