Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Feb 23, 2021

Advertiser Disclosure

Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

There’s no arguing your pet needs regular vet checkups, vaccinations, and other routine care.

But there may be a debate on whether or not such routine care needs to be part of your pet insurance policy.

Pet wellness plans offer coverage for routine vet visits and related procedures that help to maintain an overall happy and healthy furry friend.

Plans may offer wellness coverage as an add-on or rider with which you can supplement your policy.

Wellness coverage can be a beneficial add-on, or not, depending on several factors.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

When Are Pet Wellness Plans Worth It?

New puppies and kittens may be prime candidates for wellness coverage since they typically require extra vet visits for vaccinations as well as spay and neuter surgeries.

Wellness plans may also save you money overall if the amount of money you’d pay out-of-pocket for the care is more than the amount of extra premium you’d pay.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

When Is Wellness Coverage A Waste?

Any extras you add to your pet insurance plan will increase the premium, and wellness coverage is one of those extras.

The annual cost of routine care typically stays the same year after year, which makes it easy to set aside money in the budget.

Pet insurance is most helpful in the case of unexpected emergencies and massive vet bills, neither of which applies to routine wellness care.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

What Pet Wellness Plans Cover

Although specifics can vary from company to company, most wellness options generally cover items such as:

  • One or two routine vet visits
  • Select vaccinations
  • Some medications
  • Spay/neuter surgery
  • Fecal exams
  • Routine blood tests
  • Microchipping
  • Nail trimming
  • Heartworm or Deworming Tests
  • Dental Cleaning
  • Urinalysis
  • Other items, depending on the company

Note that plans may have a vaccination payout of something like $15 per vaccine, which would not cover any additional charges for the vet visit unless you were using that visit as one of your annual visits. 

Related: 10 Things You Must Know Before You Buy Pet Insurance

Plans With Wellness Options

Out of the top ten pet insurance plans we reviewed, five of them offered some type of wellness option.

1. Embrace Pet Insurance

Embrace offers Wellness Rewards, which gives you an annual allowance you can apply to any eligible routine care options of your choice.

You can choose from three different levels of allowances, with the cost per year based on your pet’s:

  • Age
  • Health
  • Breed
  • Location

…along with other factors.

Allowances Are:

  • $250 allowance per policy year, with cost based on specific factors
  • $450 allowance per policy year, with cost based on specific factors
  • $650 allowance per policy year, with cost based on specific factors

If you want more information on Embrace, read our full review.

View Rates With Embrace Now!

2. Nationwide Pet Insurance

nationwide pet wellness plans

Nationwide offers two pet wellness options you can add to your policy: the Wellness Basic and Wellness Plus.

Both cover the same type of routine care, with the plus version having higher payouts for each item.

Each item has on the list has a maximum payout limit, such as the $40 maximum payout for microchipping.

  • Wellness Basic: $400 maximum limit, costs $12 to $18 per month
  • Wellness Plus: $500 maximum limit, costs $17 to $22 per month

If you want more information on Nationwide, read our full review.

View Rates With Nationwide Now!

3. Pets Best

pets best insurance pet wellness option

Pets Best has a single wellness option for pets called BestWellness Routine Care Coverage, with a different annual payout for dogs and cats.

  • Dogs: $505 maximum limit, cost varies by state
  • Cats: $565 maximum limit, cost varies by state

If you want more information on Pets Best, read our full review.

View Rates With Pets Best Now!

4. Pet Premium

pet premium pet wellness coverage

Pet Premium offers Routine and Advance wellness options, with the Advance option having higher payouts and a few additional procedures covered.

  • Routine: $200 maximum limit, costs $120 but may vary by state
  • Advance: $500 maximum limit, costs $400 but may vary by state

If you want more information on Pet Premium, read our full review.

View Rates With Pet Premium Now!

5. Pet First

petfirst wellness coverage

Pet First offers three routine wellness plans that have a limit of payout each year.

  • Routine Care 125:  $125 maximum limit, costs $120 a year and varies by state.
  • Routine Care 250: $250 maximum limit, costs $160 a year and varies by state
  • Routine Care 400: $400 maximum limit annually, cots $325 a year and varies by state.

If you want more information on Pet First, read our full review.

View Rates With Pet First Now!

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

Other Important Wellness Notes

The wellness option from Embrace is the only one that lets you apply the allowance to the procedures of your choice.

Other wellness options allow for a specific payout for each procedure, such as $40 for a vet wellness exam, with the maximum total calculated if you used every single procedure offered.

You may not need each procedure every year, with a major case in point being spay or neuter surgery. Some plans may let you cancel your wellness plan at the anniversary date of your policy, but you’d need to read the fine print to confirm.

If you are looking for dental care, most wellness plans offer dental care in the more expensive, upper tiered level.

However, if you want only dental care and not the other routine procedures, the extra cost might not be worth it.

The only way to truly determine if optional wellness coverage is worth it is to do the calculations.

Add up how much you would expect to spend on wellness care without insurance. Then compare the amount to the cost of the premium you’d pay with wellness coverage.

Make sure to take maximum payouts per item into account, as you may still have to pay for part of an item if the maximum payout doesn’t cover the full cost your vet charges.

Read here for all Types of Pet Insurance Coverage.


Other articles you may find helpful: 


Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


Pet insurance is similar to other insurances but does have some major differences as compared to your health insurance. Below you will find a definitive list of frequently asked pet insurance questions to help in your decision.


What is Pet Insurance

Types of Pet Insurance Coverage

Comprehensive Pet Insurance Explained

Accident Only Pet Insurance

Pet Wellness Plans

Insurance vs. Wellness Pet Insurance Plans

Is Pet Dental Insurance Worth the Extra Cost

How does Pet Insurance work

Best Pet Insurance Plans with Shortest Waiting Periods

Pet Insurance Deductibles

Pet Insurance Coverage Exclusions and Limits

Pet Insurance Reimbursements

Pet Insurance Benefit Limits Explained

How to Make a Claim on your Pet Insurance

Is my Pet too Old for Pet Insurance Coverage

Top Reasons to Purchase Pet Insurance

How much does Pet Insurance Cost

Is Pet Insurance Worth It

Compare Pet Insurance

Pet Insurance for Multiple Pets

Pet Insurance that Covers Spaying and Neutering

Does Pet Insurance Cover Shots

Pet Insurance with Pre-Existing Conditions