Can You Get Wellness Coverage?

Yes. Many pet insurance companies offer wellness coverage as an optional add-on to help pay for routine and preventive care.
Source: BestPetPlanGuide.com

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Wellness plans are designed to reimburse predictable annual expenses that help keep your pet healthy—these include:

• Vaccinations

• Microchipping

• Heartworm testing

• Deworming

• Spay/neuter (some plans)

• Annual exams

• Nail trims

• Routine lab tests

• Flea/tick prevention

• Dental cleanings

Unlike accident or illness coverage, wellness benefits are not designed for surprise costs—they’re more like prepaid veterinary savings plans. Most wellness plans offer fixed reimbursement limits (e.g., $450/year), and you must submit receipts for approved services.

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Some insurers offer tiered plans (e.g., basic, standard, premium), each with different benefit caps. For example, a premium wellness rider might include spay/neuter and dental care, while a basic plan covers just exams and vaccines.

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While wellness coverage adds ~$10–$25/month to your premium, it can save money over time and ensure pets receive the preventive care that may reduce emergency vet visits later.