Pet Wellness Plans and Insurance: Coverage and Comparison

We always want the best deals for our pets’ health concerns. We want to be prepared for all expenses, especially now that everything is getting expensive. It is better if we can do this in a way that’s easy on the pockets.

If you want to buy a plan for your pet, it is best to know precisely what you are getting. You may have heard of plans from your veterinarian’s office but have yet to ask about them. Read on to know what fits better in your budget and what can benefit your pets more.

Wellness Plans

These affordable plans are usually in-house offers from a veterinary hospital. Rates for dogs would range from $50 to $100 in monthly premiums and around $45 for cats. To clarify, wellness plans are for the annual (or bi-annual for senior pets) routine checkups focusing on preventative care.

Routine care covers a comprehensive range of services. This allows the vet to detect early signs of sickness or any health concerns. Services included may be the following:

  • Annual/bi-annual wellness exam
  • Kitten and puppy shots and annual core vaccinations
  • Bi-annual parasite screenings
  • Heartworm and parasite testing
  • One year supply of flea, tick, and heartworm prevention
  • Blood workup
  • X-rays 

Veterinary hospitals also offer discounts on products and other services for enrolled pets, such as spaying and neutering surgery. Plans vary depending on the location and the pet’s size, so feel free to ask what you will get. A prepaid wellness plan can save you up to $200 a year.

Should you get a wellness plan?

You should get the plan if you want to spread out the expenses with monthly premiums. Also, you can get discounted rates on Westminster pet grooming and boarding, which can get quite heavy on the budget. Most importantly, you will make it a point to go to routine checkups. Regular checkups can prolong your beloved pet’s life, which is the best thing you can get from this.

Pet Insurance

Pet insurance pays for medical expenses and sometimes other costs. Some pet insurance plans are typically reimbursement-based, but a few competitive companies can pay the vet directly.

Insurance policies usually cover the following but are not limited to:

  • Illnesses
  • Accidents
  • Hereditary conditions
  • Congenital conditions
  • Cancer treatments
  • Elective and non-elective surgeries
  • Hospitalization
  • Prescription medications
  • Alternative care

Annual payments range from $600 to $1000, depending on the breed and size of the pet. If you wish to get an add-on for a wellness plan, there is an additional $200 to $300 for more comprehensive plans. 

Should you get pet insurance?

The policies do not discriminate against any breed or age of any pet. It is helpful at any age because accidents or sickness can affect any pet. Why not follow this link to see what problems can affect pets? Pet health care is getting increasingly expensive, and getting an insurance policy can prevent you from dipping into your savings.

Aside from being able to choose your vet, the policies are flexible. It means that you can customize your plan. Depending on your pet’s age, health, and budget limit, you can choose what you want covered, including grooming services.

The Takeaway

Regardless of what you choose, your favorite furry friend will benefit. If you feel a wellness plan is right for your pet, then go for it. However, getting a comprehensive insurance plan to cover preventive care and unpredictable situations can be better. Most importantly, get one as early as possible for your peace of mind and your pet’s sake.