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Does Pet Insurance Cover Routine Vet Visits?

Discover if pet insurance covers routine vet visits, learn about pet wellness plans, and find out how they can save you money on essential pet care.

Lauren Lee - Writer for DailyTails
By Lauren Lee
Davor Štefanović - Editor for DailyTails
Edited by Davor Štefanović

Updated August 14, 2023.

If you just welcomed a new dog or cat into the family, you may wonder if you need a pet insurance policy on top of the other expenses you just incurred for your new furry friend.

The answer is yes. While it may seem like another expense you don't need right now, having pet insurance can minimize your costs at the vet later if your furry friend becomes ill or injured.

While most standard pet health insurance policies do not cover routine care, such as exams and preventive care, many insurers offer you the option to buy a separate pet wellness plan that covers routine services and vaccinations.

What Does a Pet Wellness Plan Cover?

Pet wellness plans are designed to help cover the costs of routine preventative care. This includes services like annual exams (yearly check-ups), vaccinations, and flea and heartworm prevention.

Some companies may offer tiered wellness plans with varying coverage levels. For example, a higher-tiered wellness plan may cover dental care and preventive surgeries like spaying or neutering.

Weighing the Benefits of Pet Wellness Plans

Pet wellness plans typically cost between $10 and $25 per month and are offered as an add-on to your pet's insurance policy. However, wellness plans can save you money if you visit the vet once or twice a year, and they cover treatments essential to keeping your pet healthy. If you want a wellness policy, ask the insurance carriers if they offer this option.

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