Pet Insurance vs. Pet Wellness Plan

Pet insurance vs. pet wellness plan: what’s the difference? In recent times, pets have become very important parts of our lives. We cook for our cats and dogs, buy them birthday gifts, and even provide them with insurance plans. Based on our research, over 4 million pets have some form of insurance in the USA.

As pet owners, we want top-notch care for our beloved animals. So, when deciding between pet insurance and wellness plans, which will you go for? Though they may seem alike, there are key differences between pet insurance and wellness plans: one targets routine care, while the other focuses on unexpected events. Understanding these options is crucial for your pet’s health.

Pet Insurance vs. Pet Wellness Plan

Both can be very helpful for our pets, especially for owners who find it difficult to afford any kind of vet care. However, each type of policy has factors to consider. In this guide, we’ll explore the distinctions between pet wellness plans and pet insurance policies. So you can grasp the types of vet costs each covers throughout your pet’s life.

Pet Insurance vs. Pet Wellness Plan

Pet wellness plans and pet insurance help you manage expenses for your furry buddies. Just like I have mentioned above, these two offer different types of coverage. Here is what they both entail:

What is Pet Insurance?

Pet insurance is a form of coverage that assists with the costs of unexpected accidents and illnesses for your pet. It’s similar to human health insurance, as it offers financial support for various treatments. This includes emergency vet visits, surgeries, medications, and diagnostic tests.

Health insurance policies usually reimburse you for eligible expenses after you reach a certain deductible. Although some insurers pay the vet directly, most will reimburse you for your out-of-pocket expenses. Each policy varies, including limits on payouts and the length of time coverage is provided for a particular condition.

Sometimes, pet insurance plans offer optional wellness coverage, but it is often a separate addition.

Pet wellness Plan

A pet wellness plan covers your pet’s regular and preventive care, like yearly checkups, vaccinations, spaying or neutering, grooming, and dental cleanings. Routine visits and vaccines usually take place at your vet’s office.

With a pet wellness plan, your monthly payment covers all preventive care costs up to an annual limit. You can choose different coverage levels to match your pet’s needs. In many cases, a pet wellness plan may cost slightly more than paying out-of-pocket at the vet. So, why opt for a pet wellness plan?

These plans are for pet parents who may find it hard to pay for big vet bills once or twice a year. Instead, they can budget a low monthly fee and know their pet’s regular vet care is covered. This helps you avoid skipping the routine care your pet needs. Unlike the insurance plan, they don’t cover emergencies.

Pet Insurance vs. Pet Wellness Plan: What’s the Difference?

Now that we know and understand the two plans, let’s check out the key differences between the two.


Pet insurance: what does it include? This is a safety net for unexpected pet injuries and illnesses. If your pet gets hurt, sick, or needs treatment for a condition like an infection or skin issue, insurance can help cover vet visits, surgeries, tests, and medication.

Wellness Plans: These plans help pay for regular preventive care, saving you money on services like vaccines, yearly checkups, and flea or tick prevention treatments.


Pet insurance: This type of coverage requires paying monthly premiums and deductibles, similar to human health insurance. The cost of pet insurance can vary depending on factors like your pet’s age, breed, and the specific plan you choose. For example, a policy for an older pet or one that covers dental cleaning may have higher premiums.

The deductible is the set amount you pay out of pocket before your insurance starts to cover expenses.

Wellness Plans: These plans have a consistent monthly or yearly fee, helping you budget for routine pet care throughout the year.

The cost of a wellness plan depends on the services it includes and the provider you choose. Some plans also offer discounts on telemedicine and virtual veterinary care for your pets.

Claims process

Pet Insurance: With this policy, you typically pay your vet upfront and then send a claim to the insurance company to get reimbursed for covered expenses. The insurer reviews your claim and reimburses you according to your selected plan.

Wellness Plans: Pet wellness plans often provide free products and services or offer discounts on certain services. There’s no claim process—you simply receive preventatives or pay a reduced fee at the time of your pet’s appointment.

Where can I Purchase Pet Insurance and Pet Wellness?

You are ready to offer your furry friend the best plans. First of all, check if you need both plans or just one of them. Compare different policies and plans to get the most affordable ones. Some of the best companies that offer these plans include ASPCA, Lemonade, Embrace, Spot, and Fetch. Once you have selected the one you want, follow the insurer’s instructions to complete the process. You will be required to provide certain records from your vet to confirm information and pricing.

Pet Insurance vs. Pet Wellness Plan: Which Should I Choose?

There are times when pet owners should choose a pet wellness plan, pet insurance, or a combination of both. This depends on their individual needs, the age and health of their pet, and their budget.

A pet wellness plan is ideal for owners who prioritize regular checkups and preventive care and want to break down the cost into manageable monthly payments. This type of coverage helps with routine visits, grooming, teeth cleaning, and other preventive services.

Pet insurance offers peace of mind by providing financial protection in case of unexpected injuries, accidents, or illnesses. It’s a smart choice if you own a breed with a history of hereditary or chronic health issues or if you anticipate increased medical expenses for your pet in the future.

Consider combining a policy with a wellness plan if you have an older pet of a breed prone to health problems. Or if you can afford both for comprehensive coverage.