Are our pet wellness plans worth it?

Pet owners can use pet wellness plans to help them better manage preventive and routine care costs. A wellness plan reimburses pet owners for routine vet costs. You can purchase a pet wellness plan as a standalone one or add it to your pet insurance policy to get comprehensive coverage.

There are many options when shopping for pet wellness plans. You will find plans with different terms and coverage limits at different price points. It is important to thoroughly review each plan to find the best plan for you. While not all pet owners need a pet well-being plan, most do. This is especially true if there will likely be any vet visits within the next year.

What is a Pet Wellness Plan?

The plan issuer usually follows a process for reimbursement and claims. Although the details may vary from one company to another, most companies follow a similar process.

The policyholder must submit an itemized bill that includes the name of the provider and contact information as well as the name of the pet, the full list of items charged, including taxes and discounts and proof of payment. To receive reimbursement, you must submit this documentation as soon as possible.

Pet wellness plans cover many types of preventive services, including the following:

Annual physical or wellness exams

Routine blood work

Vaccinations

Urinalysis and fecal testing

Grooming services

Dental care

Microchipping

Heartworm testing

Heartworm, tick and flea medicines

There are many tiers of pet wellness plans, which can range from the basic to the more complex. Higher tiers have higher monthly premiums, reimbursement limits and coverage options. When choosing a Tier, it is important to consider the level of care your pet requires.

It is important not to confuse pet insurance with pet wellness plans. Pet insurance covers medical and surgical expenses and preventive and routine procedures. This contrasts with pet wellness plans, which only cover preventive and routine care. Prescription medications, therapy and hospitalizations may be covered by pet insurance. This also covers tests such as X-rays and cat scans. As an option, pet owners can sign up for pet insurance that includes a pet wellness program.

What is the cost of pet wellness plans?

You must consider how much you spend on preventive care when deciding whether a pet wellness program is worth it. According to SpendMeNot research, the average cat owner pays between

Pet wellness plans starting at $10 per month are the most affordable. You can expect to spend around $1,200 per pet if you select a lower-cost plan over the next 10 years. You can expect to pay between $20 and $25 per month for more comprehensive coverage. You would pay around 

Pet wellness plans are included in existing pet insurance policies; they can often be more affordable. Many insurance companies offer pet wellness plans at a discount to policyholders. A combination of pet insurance and a pet well-being plan can ensure your pet is protected and healthy.

Is it worth investing in a pet wellness plan?

The biggest question surrounding pet wellness plans revolves around whether they are worth the expense of routine care. Pet wellness plans do not cover unexpected vet bills like pet insurance but only preventive services such as vaccinations, tooth cleaning, and heartworm testing.

A pet wellness plan is a great way to save money for the first year. Kittens and puppies need regular wellness checks and vaccinations to stay healthy. As your pet ages, you will likely need to visit the vet less often. Even if your pet visits the vet only once or twice yearly, a pet wellness program can still help you save money.

If you’re a new pet owner, you should consider investing in wellness coverage. This will help you to pay for frequent vet visits and other costs early in your pet’s life. A wellness plan can be beneficial even if your pet has retired. You can still receive reimbursements for routine vet care costs by paying a small monthly fee. You can rest assured that your pet receives the preventive services it needs to be happy and healthy.