Does Pet Insurance Cover Routine Care?

Routine care like vaccines, wellness exams, flea prevention, and dental cleanings is not covered by standard plans but can be added through wellness coverage.
Source: BestPetPlanGuide.com

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Routine care is essential for preventing illness and keeping your pet healthy long-term. However, it’s not considered an “insurable risk,” so most standard accident or illness plans don’t include it.

To cover these costs, many providers offer wellness add-ons or prepaid care packages. These reimburse a fixed amount per year for preventive services such as:

• Vaccines (core and non-core)

• Annual wellness exams

• Microchipping

• Routine dental cleanings

• Fecal and heartworm testing

• Flea/tick and deworming medications

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Wellness coverage usually works as a reimbursement plan. You pay for care upfront, submit receipts, and are paid back up to a defined annual limit.

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If your pet is young or you're budgeting for predictable vet costs, wellness coverage can be worth it. But it's important to compare what’s included—some plans only reimburse partial costs, while others cover full services but cap the total benefit (e.g., $250–$450/year).