Pet wellness plans are an ideal option for owners who want to ensure their pets get the veterinary care they need without incurring large out-of-pocket costs. They can help you save on regular vet visits and vaccinations, and they often include a wide variety of preventive services.
The best dog health plans will allow you to pick the kind of veterinary care that your pet needs. These policies will include routine services such as heartworm treatment, vaccinations, and spaying and neutering.
We ranked pet insurance companies according to the following criteria: Plan (25 points), Covered treatment (25 points) & Customization options (10 point). The top providers offer a variety of coverage options for your pet, including wellness plans or preventive health care.
The best wellness plans for dogs include all the core vaccinations as well as heartworm, flea and tick preventatives. Some include a wide variety of routine tests and treatments, including a stool examination and a blood test.
These services will ensure that your dog is healthy throughout their life, but especially in the adult years. These services are also an excellent way to detect diseases and other conditions at an early stage, saving your pet money on expensive treatment.
Most wellness plans reimburse a variety of routine veterinary procedures, including dental cleanings, surgeries and yearly wellness examinations. They'll also sometimes cover a wide range of prescriptions, from heartworm and flea medication to specialty diets and vitamins.
In some plans, certain procedures are subject to deductibles or annual limits on expenses. The more deductibles and caps, the higher the cost of the plan.
Some dog wellness plans charge a small fee at the beginning of the year. However, this is usually an one-time cost. It's highly unlikely you'll ever have to pay again.
Reimbursement percentages and copayments vary by plan, so you'll need to shop around before signing up. The best options are those that give you the chance to choose 100% reimbursement without annual payout limits and a low or zero copayment.
Comparing deductibles is not always straightforward, but percentages and deductibles are essential for calculating insurance premiums. Your monthly premium will decrease the lower your deductible is.
Best pet insurance providers offer a wide range of services for veterinary care and prevention, as well as flexibility with regard to deductibles and reimbursement rates. They're also easy to use, and they'll help you keep your pet's medical bills in check.
Asking your vet if there are any preexisting conditions (like those your pet suffered before the insurance policy began) can help you determine if they will be covered. You can also ask them any questions about the health of your pet or its insurance.
Pawp offers a more comprehensive insurance plan that includes 100 percent reimbursement with no deductible. In the event of an emergency, your pet can receive treatment even if it has a current medical condition.