pet insurance including wellness plan benefits explained

New to protecting your dog or cat? This guide breaks down how coverage works when you choose a policy that blends accident and illness protection with a wellness add-on. The goal is simple: help you budget for care and avoid surprise bills throughout the year.

What it covers

Core insurance helps with emergencies, diagnostics, surgery, and prescribed meds, while the wellness plan can offset routine care. Think of it as a prepaid toolkit of small reimbursements that encourage preventive visits so problems are caught early and treated affordably.

• Annual checkups and exams
• Vaccines and boosters
• Routine bloodwork and fecal tests
• Flea, tick, and heartworm meds
• Dental cleanings or microchipping

Costs, claims, and choosing

Premiums vary by breed, age, and location. You'll see a deductible, a reimbursement rate, and sometimes a per-item allowance for wellness services. To compare plans, review waiting periods, coverage caps, and exclusions, then pick a vet-friendly policy that lets you submit quick mobile claims.