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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. 

Eusoh

*Save $3 off Eusoh’s service each month using our exclusive coupon code: GPCAPRIL

Eusoh is a community health sharing plan that works differently than insurance in that they collect a subscription fee and expense-share contributions instead of a monthly premium. 

Pet parents can expect to pay a $17 monthly subscription fee, plus up to $48 a month in expense-share contributions. The maximum pet parents will pay each month is $65, but in some months, it could be far less. Additionally, pet parents can expect to be responsible for about 20 percent of their vet bills on average, an annual deductible of $250, and a maximum yearly reimbursement of $8,500. 

Eusoh’s coverages blend traditional pet wellness plans and some events traditionally covered by insurance. These include: 

  • Injuries
  • Illnesses
  • Annual Check-Ups
  • Cancer
  • Hereditary/Congenital Conditions
  • Surgeries
  • Prescribed Medications
  • Alternative Treatments
  • Wellness Care

Some exclusions apply, mainly around pre-existing conditions and other standard insurance exclusions like food, grooming, dental cleaning, and select medications.

Filing a claim with Eusoh is also incredibly easy—all you need is to submit a receipt of your veterinary bill.

Highlights 

  • Membership to a community of fellow pet lovers
  • Simple and easy claims process 
  • A maximum monthly expense of $65
  • Freedom to choose your own veterinarian
  • Low annual out of pocket costs
  • High-quality customer service

Things to Consider 

  • 30-day waiting period before filing any claims

PawPrint

PawPrint is one of the top pet-related health apps, empowering people to take charge of their pet’s health by making it easy to access their health records, set vaccine and medication reminders, and take notes on behaviors. PawPrint is taking their mission one step further with a new pet wellness plan, PawPrint Wellness

Available for a low monthly fee of $20, PawPrint Wellness makes it easier than ever to adopt a proactive approach to your pet’s health, covering routine medical expenses including: 

  • One annual wellness checkup at any clinic in the USA (up to $100)
  • Two vaccines per year (up to $100)
  • One routine blood work checkup per year (up to $100)
  • One fecal test per year (up to $50)
  • One free virtual veterinary checkup per year ($50)

Additionally, PawPrint Wellness will provide users premium-level access to their app, as well as a $50 gift card to Muttropolis.com. In total, PawPrint Wellness delivers $500+ in value annually, double the investment. 

Highlights 

  • Access to PawPrint Premium
  • Low monthly cost
  • Freedom to choose your own veterinarian
  • High annual value
  • High-quality customer service

Things to Consider

  • This is a new product, but tied to a trusted name in pet wellness
  • PawPrint’s low monthly cost may make it ideal to pair with traditional insurance

Wagmo

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. 

Highlights: 

  • 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

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. 

Highlights

  • 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

Highlights:

  • 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

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. 

Highlights 

  • 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

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