When it comes to pet care, veterinary bills are not limited to accidents and illnesses.
Routine check-ups, vaccinations, flea/tick prevention, dental cleanings, and spaying/neutering are essential for your pet’s long-term health. That’s why many pet parents search for pet insurance companies with wellness coverage.
Unlike standard accident-and-illness plans, pet wellness plans cover preventive care and routine services, ensuring your furry friend stays healthy while reducing out-of-pocket costs. In this guide, we’ll explore the best pet insurance providers with wellness coverage in 2025, average costs, benefits, and tips for choosing the right plan.
What is Wellness Coverage in Pet Insurance?
Wellness coverage (also called preventive care coverage) is an optional add-on to pet insurance policies. While traditional pet insurance only covers unexpected accidents or illnesses, wellness plans include:
- Annual exams and vaccinations
- Spaying/neutering
- Flea, tick, and heartworm prevention
- Dental cleaning and routine check-ups
- Microchipping
- Preventive lab tests and screenings
By choosing pet insurance with wellness benefits, you not only protect against emergencies but also cover routine care that keeps pets healthy.
Why Choose Pet Insurance with Wellness Coverage?
- Covers Routine Care – Saves money on annual check-ups, vaccines, and dental cleanings.
- Improves Pet Health – Encourages preventive care to catch diseases early.
- Predictable Costs – Monthly premiums make vet expenses more manageable.
- Comprehensive Protection – Combines accident, illness, and wellness care into one plan.
- Peace of Mind – Ensures you never skip essential care due to financial concerns.
Average Cost of Pet Insurance with Wellness Coverage in 2025
- Dogs: $45 – $80 per month (including wellness add-ons).
- Cats: $30 – $55 per month.
- Annual Pet Wellness Plans: Around $250 – $500, depending on services included.
Example:
- Standard pet insurance (accident + illness) for dogs costs about $40/month.
- Adding wellness coverage may increase the premium by $15–$25/month.
Best Pet Insurance Companies with Wellness Coverage in USA 2025
Here are the top pet insurance providers offering wellness benefits:
1. ASPCA Pet Health Insurance
- Best Overall Wellness Coverage
- Covers vaccines, dental cleanings, spaying/neutering, and microchipping.
- Offers accident-only, accident + illness, and wellness add-ons.
- Average cost: $30–$55/month.
- ✅ Pros: Flexible wellness packages, covers routine vet care.
- ❌ Cons: Some limits on annual benefits.
2. Embrace Pet Insurance
- Best for Preventive Care Rewards
- Offers unique Wellness Rewards program that reimburses routine care.
- Covers grooming, training, alternative therapies, and vaccines.
- Average cost: $35–$60/month.
- ✅ Pros: Customizable plans, wide range of wellness benefits.
- ❌ Cons: Annual maximum benefits apply.
3. Nationwide Pet Insurance
- Best for Multi-Pet Families
- Wellness plans cover preventive exams, dental care, and vaccinations.
- Offers exotic pet coverage too.
- Average cost: $25–$50/month.
- ✅ Pros: Affordable wellness add-ons, covers birds and exotic pets.
- ❌ Cons: Limited claim flexibility.
4. Banfield Pet Hospital Wellness Plans
- Best for Routine Vet Care
- Offers Optimum Wellness Plans (not traditional insurance).
- Covers unlimited office visits, vaccinations, and preventive exams.
- Average cost: $25–$45/month.
- ✅ Pros: Great for preventive services, available at Banfield locations nationwide.
- ❌ Cons: Does not cover accidents or major illnesses.
5. Spot Pet Insurance
- Best for Customizable Options
- Offers accident, illness, and optional wellness plans.
- Covers vaccines, microchipping, and dental cleanings.
- Average cost: $30–$55/month.
- ✅ Pros: No upper age limit, flexible reimbursement options.
- ❌ Cons: Wellness coverage is available only as an add-on.
How to Choose the Best Pet Insurance with Wellness Coverage
When selecting a pet insurance provider with wellness add-ons, consider:
- Monthly Premium vs. Coverage – Ensure routine care costs are truly offset by the plan.
- Annual Limits – Some insurers cap how much you can claim for wellness care.
- Coverage Options – Look for vaccines, dental care, flea/tick prevention, and spaying/neutering.
- Multi-Pet Discounts – Families with multiple pets should choose providers that offer bundles.
- Claim Process – Check if the company reimburses quickly and reliably.
Tips to Save on Pet Wellness Plans
- Bundle Insurance + Wellness – Buy accident, illness, and wellness coverage together.
- Compare Quotes Online – Always compare 3–5 pet insurance quotes before choosing.
- Choose Higher Deductibles – This lowers premiums on accident/illness coverage.
- Use Discounts – Many companies offer multi-pet and annual payment discounts.
- Start Early – Insuring puppies/kittens lowers premiums and ensures preventive care from the start.
Final Thoughts
Choosing pet insurance companies with wellness coverage is the smartest way to manage both unexpected medical bills and routine vet expenses. Providers like ASPCA, Embrace, Nationwide, Banfield, and Spot Pet Insurance are among the best in the USA for 2025.
Wellness coverage ensures your pet gets essential preventive care like vaccinations, dental cleanings, and spaying/neutering, while standard insurance protects against accidents and illnesses. This combination offers complete protection for your furry family member.
Before you buy, always compare pet insurance quotes online, check annual coverage limits, and choose a plan that fits both your budget and your pet’s health needs. With the right plan, you’ll enjoy peace of mind knowing your pet is covered from nose to tail.