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Pet Wellness Plans: 8 Top Ones to Consider

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Regular preventative care is an important aspect of pet parenting. But pet medical expenses are rising. In 2018, the AVMA Pet Ownership and Demographics Sourcebook cited the average cost of a routine canine care visit at around $145.

Pet wellness and insurance plans are designed to offset some of these rising costs and encourage veterinary care. One July 2020 study found that those with a pet wellness plan visited their veterinarians 20 percent more than those who did not have a wellness plan. 

For average pet parents, navigating these products can be dizzying and complicated. Here we break down the differences between pet wellness plans and pet health insurance and explore some of the best pet wellness plans you should consider to protect your furry family member.

What Are Pet Wellness Plans?

Pet wellness plans are preventative care plans that help cover the costs of routine veterinary visits and healthcare. 

Covered procedures/treatments may include: 

  • Routine blood work
  • Wellness exams
  • Select vaccinations
  • Spay/neuter 
  • Parasite prevention
  • Microchipping
  • And more

The majority of pet wellness plans operate on a reimbursement model, where consumers pay for services when they’re received and then invoice their provider for money back. 

While pet wellness plans help pet parents better manage their pet’s health, they generally don’t cover unexpected events. Most wellness plans also have a maximum annual benefit.

How Do Pet Wellness Plans Differ From Pet Insurance?

Cat in carrier at the vet

While pet wellness plans are designed to encourage preventative care, pet health insurance helps cover unanticipated events, like: 

Consumers pay a higher monthly premium and may have to meet a higher deductible before their benefits kick in.

Are Pet Wellness Plans Worth It?

Pet wellness plans can be used on their own as a preventative care strategy, or in combination with pet insurance. While purchasing a pet wellness plan is an individual choice, they can be worth it.

Pet wellness plans promote a proactive approach to managing a pet’s health, which can reduce the accumulating costs of untreated conditions later. Regularly getting pets vaccinated or doing blood work can help veterinarians spot potential problems before they become emergencies. Wellness plans also help spread out the cost of routine exams and procedures over time. 

Pet parents can maximize the value of a pet wellness plan by accompanying their plan with a savings strategy to help with unexpected large bills. They can extract further value by making sure they’re using all benefits available in each policy term. 

Best Pet Wellness Plans

Couple with Beagle dog

Pet parents may find pet wellness plans offered by private companies, insurance brands, or animal hospitals. Before committing to any plan, pet parents should do their research and make sure they understand all the terms and conditions. 

To help get you started, we’ve rounded up some of the best pet wellness plans we’ve seen. 


Lemonade Pet Insurance for Cats and Dogs

Lemonade has been providing renter’s and homeowners insurance since 2016, but the well-known company really made a splash with pet parents once they began offering pet insurance plans in 2020. Lemonade is one of the only pet insurance companies to offer expedient and accurate AI-powered claims processing and reimbursement. 

With plans starting as low as $10 per month, Lemonade makes it easy to build your pet’s plan from the ground up. Their optional add-ons help with costs not covered by their base accident and illness pet policy. 

Lemonade’s base pet health insurance policy helps you pay for diagnostics and treatments related to accidents and illness. However, you can add their Preventative or Preventative+ package along with physical therapy and vet visit fees add-ons to get more reimbursement and keep your pet healthy. 

Lemonade’s pet insurance starts at $10 each month, but the final costs depends on:

  • Your pet’s age and breed
  • Any policy add-ons selected 
  • Your choice of deductible
  • Your choice of co-insurance
  • The price of veterinary care in your area

The basic Lemonade pet insurance policy helps cover expenses related to unexpected illnesses or accidents, including:

  • Diagnostics: Blood tests, x-rays, MRIs, CT scans, and laboratory work
  • Procedures: Outpatient, specialty and emergency care, hospitalization, and surgery
  • Medication: Injections or prescription medications 

Reimbursement rates average between 70 percent and 90 percent, and Lemonade’s deductible amount ranges between $100 and $500, which is typical for the pet insurance industry. At least ⅓ of Lemonade’s pet insurance claims are paid through an AI algorithm within three seconds


  • Covers diagnostics, procedures, and medications for accidents and illness 
  • Choose from three monthly deductible options: $100, $250, or $500
  • Build your own policy with select add-ons depending on your level of desired coverage: Veterinary visit fees, physical therapy, dental illness, and end-of-life remembrance
  • Preventative care packages are available for non-emergency medical care
  • Offers a Puppy/Kitten Preventative Package to help with things like spaying, neutering, and microchipping
  • Offers a Preventative+ Package for things like routine dental cleanings, flea and tick medication, and heartworm medication

Things to Consider

  • The higher your deductible, the lower your monthly premium
  • Annual coverage limits range between $5,000 and $100,000 
  • Pricing varies by breed because some breeds have specific health risks 
  • Pre-existing conditions are not covered
  • Not all states offer pet health insurance, so check with Lemonade if your state is one of them

Pet’s Best Routine Care Packages

Pet’s Best is routinely heralded as a top pet insurance provider. To complement its insurance, the brand features two tiers of pet wellness plans, “EssentialWellness” ($16 per month) and “BestWellness” ($26 per month). These pet wellness plans cannot be purchased separately from the brand’s core insurance. 

Both levels of coverage cover the usual procedures up to a specific dollar amount, including wellness exams, fecal exams, blood tests, microchipping and limited vaccination. There are annual maximum benefits, capped at $305 and $535, but neither plan has any deductible tied to it. 


  • Low monthly cost
  • Wide variety of coverages
  • Backed by valued pet insurance provider
  • Flexibility in choosing your own veterinarian

Things to Consider 

  • Specific benefit limits may not cover 100% of the procedural costs, depending on your care provider
  • Wellness plans cannot be purchased separately from the core insurance product


Wagmo is a standalone wellness plan that offers pet parents three different pricing tiers: “Value,” “Classic,” and “Deluxe.” Each provide varying coverages and limits on annual reimbursable expenses: 

  • Wagmo Value: $20/month, with up to $350 in annual reimbursements
  • Wagmo Classic: $36/month, with up to $650 in annual reimbursements
  • Wagmo Deluxe: $59/month, with up to $1100 in annual reimbursements

Wagmo’s coverages include: 

  • Office Visits
  • Vaccines
  • Routine bloodwork
  • Fecal test
  • Urinalysis (“Classic” & “Deluxe” only)
  • Flea/Tick/Heartworm Medication (“Classic” & “Deluxe” only)
  • Grooming (“Classic” & Deluxe” only)
  • Dental care (“Deluxe” only)

Processing a claim with Wagmo is simple and straightforward. All consumers need to do is submit a receipt of their veterinary bill. After a claim is filed, Wagmo users can expect reimbursement in 24 hours. 


  • Pricing tiers offer consumers choice
  • Offerings cover routine flea/tick/heartworm medications, and extend into additional services like grooming not generally covered in other wellness plans
  • Lower monthly cost makes Wagmo a palatable pairing with traditional insurance
  • Freedom to choose your own veterinarian
  • Speedy reimbursement

Things to Consider: 

  • The annual value of Wagmo’s “Value” offering is only slightly beyond the annual investment
  • Specific treatments may have annual limits
  • Not available in every state

Fetch by the Dodo

Fetch by the Dodo, formerly known as Petplan, is a comprehensive pet insurance plan which covers illnesses and accidents. Fetch has one single policy to cover things such as:

  • Emergency veterinary examinations
  • Common injuries and illnesses
  • Diagnostic testing
  • Cancer treatment
  • Imaging and ultrasounds
  • Breed-specific conditions
  • Comprehensive dental 

However, Fetch does not offer a wellness plan. This means your dog or cat will not be covered for cosmetic and elective procedures, vaccinations, teeth cleaning, spaying, or neutering services. 

Fetch allows its policyholders to use any licensed veterinarian in the United States or Canada. They also cover services from specialists and emergency clinics. 

Monthly premiums for dogs average around $35 per month, with a monthly feline policy averaging $25 per month. The price of your policy is based on your pet’s age, breed, and location. Younger pets tend to be less expensive than older ones. 

The policyholder’s reimbursement rate can be 70%, 80%, or 90%. If you choose a lower reimbursement rate, your policy cost will be lower, too. When you sign up, your pet will require a checkup and then every year after that. 

Fetch covers things that other pet insurance providers for which other providers may charge extra. For example, breed-specific issues such as Dachshunds and slipped discs. Fetch includes all of that as standard, with no add-ons or riders required when you sign up.

On average, claim processing is within 15 days of receiving all documents. FetchPet offers direct deposit reimbursement so policyholders can get paid faster than waiting for a check in the mail.


  • Coverage of more illnesses and injuries than many other pet health insurance providers
  • Choose your own reimbursement percentage (70%, 80%, or 90%) 
  • Choose if you are billed monthly, quarterly, or yearly
  • No hidden or installment fees
  • Your pet will never be dropped from the plan as they age
  • Available in all 50 states and Canada 
  • Alternative and homeopathic therapies are included. 
  • Online veterinary visits are included
  • Easy online claim submission and process 

Things to Consider 

  • Does not cover pre-existing conditions like most providers
  • Only offer one comprehensive plan so monthly premiums may be higher than other providers 
  • Claims must be filed within 90 days 
  • Your pet’s age, breed, and your location all factor into the premium amount

Petco Vital Care

Petco launched its Vital Care program in 2020 to support pets’ overall health and wellness. There are two plans – one for dogs and one for cats. At $19.99 per month (with an annual commitment billed at $239.88), the plan features:

  • Unlimited routine veterinary exams at all Vetco Total Care locations (or $20 Pals Rewards for each routine exam at your veterinarian)
  • 20 percent off every grooming session 
  • 20 percent off litter for cats
  • 10 percent off nutrition 
  • Repeat delivery savings
  • Discounts on Rover.com services
  • $15 Pals rewards every month

Vital Care is not pet insurance. It is a whole health plan designed to keep pets healthy year-round. A routine veterinary exam is a regular wellness check-up for your dog or cat. Any services provided by a Petco veterinarian outside of a routine vet exam are considered additional costs. 

Vital Care members receive Pals Reward benefits, including personalized care reminders, recommendations for each of your pets, rewards on purchases, support throughout your pet parenthood journey, and access to members-only perks and offers.

Dubbed “Petconomics,” Vital Care offers annual savings to make ongoing healthcare for dogs and cats easier and more affordable. Vital Care benefits can be used through the Petco app, online, or in-store. 


  • Affordable price point at $19.99 per month per dog or cat
  • Multi-pet households receive a discount of $17.99 per month for each pet
  • Benefits are valued at between $320 and $404 per year 
  • The $15 Pals reward each month is an added bonus 
  • Includes a wellness plan and additional benefits as noted above
  • Close to 200,000 members and growing 

Things to Consider:

  • Treats and chews are not included in the nutrition savings benefit.
  • Grooming services are for dogs only.
  • Membership requires a 12-month pre-pay commitment.
  • Be sure you live within driving distance of a Petco with a grooming salon or onsite veterinary partner before enrolling.

Pumpkin Preventative Essentials

Zoetis, an established world leader in the animal drug and vaccine space, launched its insurance subsidiary, Pumpkin, in 2020. One of their unique offerings is Preventative Essentials, which covers select preventative care and routine care expenses for your dog or cat. 

Preventative Essentials is an optional benefit pet parents can add to their existing Pumpkin insurance plan. This plan costs around $20 per month for dogs and $12 per month for cats. Preventative Essentials is an add-on wellness benefits package that helps with the costs of services like vaccinations and annual checkups. 

The price of a Preventative Essentials package is in addition to your Pumpkin insurance policy premiums. Upon approval, pet parents receive a welcome box with a dog toy. 

The preventative care package for dogs includes a full refund for:

  • One annual wellness checkup 
  • Two vaccines each year
  • One yearly blood test for heartworm disease, Lyme disease, ehrlichiosis, and anaplasmosis
  • One yearly fecal exam to test for hookworms, roundworms, and whipworms

The preventative care package for cats and kittens includes a full refund for:

  • One annual wellness checkup
  • One vaccine per year
  • One yearly fecal exam to test for worms or parasites

If you own a puppy under six months of age, Pumpkin offers a Preventative Essentials plan that includes reimbursement for:

  • One wellness checkup
  • One fecal exam
  • Four puppy vaccines (even those received before joining Pumpkin)


  • Get fully refunded for predetermined wellness services as noted above.
  • Easy claim filing process 
  • Reimbursement can be via direct deposit, eCheck, or check
  • Visit any veterinarian for these services 
  • Some veterinary hospitals provide customized Preventative Essentials packages for their clients. 

Things to Consider:

  • Preventive Essentials cannot be purchased on its own; it is an optional benefit pet parents add to any Pumpkin insurance plan.
  • Custom Preventative Essentials packages designed by select veterinary hospitals must be used for services received at that hospital. 
  • Some conditions and limitations exist. See the sample agreement on Pumpkin’s website for more information. 

Nationwide Pet Wellness

Nationwide is one of the country’s leading insurance brands, who also offer pet health insurance and pet wellness plans. Pet wellness plans can be purchased on their own (you must call) or combined with pet health insurance. 

Nationwide’s standalone pet wellness plan comes in two tiers, “Wellness Plus” ($17-$22 per month) and “Wellness Basic” ($12-$18 per month). Coverages include: 

  • Physical exam (two exams per policy period)
  • Behavior exam and/or treatment
  • Vaccination or titer
  • Heartworm or FeLV/FIV test
  • Fecal test
  • Deworming
  • Nail trim
  • Microchip
  • Flea control or heartworm prevention
  • One additional test: health screen (blood test), radiograph, or electro-cardiogram (EKG)

Nationwide’s pet wellness plans provide annual maximum benefits of up to $400 or $500. Additionally, limits may apply on specific tests per policy term. 


  • Pet wellness backed by a major insurance brand
  • Low monthly cost, relative to annual plan benefit value
  • Ability to be purchased separate from larger insurance policy
  • Freedom to choose your own veterinarian

Things to Consider 

  • Not easily customizable
  • Not available in every state
  • Claims process like traditional insurance
  • Certain annual benefits (e.g., microchip) add value, but are used only once generally over the lifetime of a pet

Banfield Pet Hospital Optimum Wellness Packages

Banfield is one of the nation’s largest veterinary networks, with over 900 hospitals. They offer a variety of wellness packages that encourage proactive care. 

Policy costs can vary based on several factors including age, species, and location. But generally pricing starts at around $22 monthly for cats and $30 monthly for dogs. Banfield’s Optimum Wellness Packages typically include: 

  • Bi-annual wellness exams
  • Vaccinations
  • Parasite control
  • Nutrition
  • Unlimited office visits


  • Discounts on Banfield services, even if outside of your specific wellness package
  • Provide pet parents proactive control over their pet’s health
  • Plans offer value when paired with visits to Banfield locations
  • Flexibility to choose additional insurance, if desired

Things to Consider

  • Must be used at Banfield locations, meaning less flexibility to choose your own veterinarian
  • Banfield manages all claims independently and determines all eligibility requirements, plan terms, and coverages