Pets are animals that live with humans. The most common of them are dogs and cats. The dog over time has been christened ‘man’s friend’. Just as humans value their life and health, the life and health of these animals matter also.
If you have taken your sick or injured pet to see a veterinary doctor, then you will understand how expensive veterinary care can be. pet insurance has not been fully understood by people as the other types of insurance.
In this article, we will look at some pet insurance plans that cover vaccination.
What Is Pet Insurance?
Pet insurance is an insurance policy bought by a pet owner which helps to lessen the overall costs of expensive veterinary bills. This is similar to health insurance policies for humans.
Pet insurance covers, either wholly or in part, the often expensive veterinary procedures. It is important to find a suitable plan for you before you sign up. Check out 11 Best Pet Insurance in New York City for 2022.
As with human health insurance, there is usually a deductible which is an out-of-pocket expense before the coverage begins. Most providers will base the amount of the insurance premium on the average cost of veterinary care in the owner’s region.
Most pet insurance policies do not cover all veterinary procedures like vaccines.
You may want to look through the plans of some of these popular pet insurance companies before you settle.
- Healthy Paws
- Trupanion
- Pets Best
- Embrace Pet Insurance
- ASPCA Pet Health Insurance
- PetFirst Pet Insurance
- Figo
- Petplan
- Nationwide
ARE THERE PET INSURANCE PLANS THAT COVER VACCINES?
Pet insurance plans usually cover unexpected events like injuries and illnesses and not for the expected such as vaccines and dental care. Pet insurance plans are curative and not for prevention.
With this explanation, it is simple to say that pet insurance plans do not cover vaccines but there is a plan that covers that. It is called the pet wellness plan.
What Are Pet Wellness Plans?
Pet wellness plans are preventative care plans that help cover the costs of routine veterinary visits and healthcare. Pet wellness plans cover what pet insurance plans do not cover.
As part of the anticipated cost of taking care of a pet, you can plan and budget for taking your pet to the veterinarian once or twice a year for their wellness visits. Some pet parents opt for a wellness plan as a way of spreading out the expected costs but whether or not you choose to purchase one is a matter of personal preference.
Pet Insurance Plan VS Pet Wellness Plans
Pet insurance
This is intended to help cover unexpected veterinary visits, including diagnostics, treatment, and medication for injuries or illnesses that can quickly become very expensive and aren’t as easy to budget for.
Pet insurance does not cover routine wellness care. Just like car insurance covers damages, accidents, and other unexpected incidence and not the change of oil, change of brake pads, or lights.
Pet insurance cover for:
- Stomach issues
- Skin conditions
- Injuries
- Cancer
- Urinary tract infections
- Diabetes
Pet wellness
On the other hand covers the routine checks, vaccines, and other health care of the pet. These are expected events and are planned for by pet parents. They do not cover emergencies.
Here is a list of what a pet wellness plan covers:
- Exam fees
- Vaccine
- Preventative care
- Dental cleanings
- Spay/neuter
- Microchip
Pet Insurance Wellness Plans That Cover For Vaccines
According to https://www.greatpetcare.com, here is a list of pet wellness companies that cover vaccination.
PawPrint
This is one of the top pet-related health apps, empowering people to take charge of their pet’s health by making it easy to access their health records, set vaccine and medication reminders, and take notes on behaviors. PawPrint is taking its mission one step further with a new pet wellness plan, PawPrint Wellness.
Available for a low monthly fee of $20, PawPrint Wellness makes it easier than ever to adopt a proactive approach to your pet’s health, covering routine medical expenses including:
- One annual wellness checkup at any clinic in the USA (up to $100)
- Two vaccines per year (up to $100)
- One routine blood work checkup per year (up to $100)
- One fecal test per year (up to $50)
- One free virtual veterinary checkup per year ($50)
Additionally, PawPrint Wellness will provide users premium-level access to their app. In total, PawPrint Wellness delivers $400+ in value annually.
Highlights
- Access to PawPrint Premium
- Low monthly cost
- Freedom to choose your own veterinarian
- High annual value
- High-quality customer service
Wagmo
Wagmo is a standalone wellness plan that offers pet parents three different pricing tiers: “Value,” “Classic,” and “Deluxe.” Each provides varying coverages and limits on annual reimbursable expenses:
- Value: $20/month, with up to $350 in annual reimbursements
- Classic: $36/month, with up to $650 in annual reimbursements
- Deluxe: $59/month, with up to $1100 in annual reimbursements
Their coverages include:
- Office Visits
- Vaccines
- Routine bloodwork
- Fecal test
- Urinalysis (“Classic” & “Deluxe” only)
- Flea/Tick/Heartworm Medication (“Classic” & “Deluxe” only)
- Grooming (“Classic” & Deluxe” only)
- Dental care (“Deluxe” only)
Processing a claim with Wagmo is simple and straightforward. All consumers need to do is submit a receipt of their veterinary bill. After a claim is filed, Wagmo users can expect reimbursement in 24 hours.
Highlights
- Pricing tiers offer consumers choice
- Offerings cover routine flea/tick/heartworm medications and extend into additional services like grooming not generally covered in other wellness plans
- Lower monthly cost makes Wagmo a palatable pairing with traditional insurance
- Freedom to choose your own veterinarian
- Speedy reimbursement
Nationwide Pet Wellness
Nationwide is one of the country’s leading insurance brands, which also offer pet health insurance and pet wellness plans. Pet wellness plans can be purchased on their own (you must call) or combined with pet health insurance.
Nationwide’s standalone pet wellness plan comes in two tiers, “Wellness Plus” ($17-$22 per month) and “Wellness Basic” ($12-$18 per month). Coverages include:
- Physical exam (two exams per policy period)
- Behavior exam and/or treatment
- Vaccination or titer
- Heartworm or FeLV/FIV test
- Fecal test
- Deworming
- Nail trim
- Microchip
- Flea control or heartworm prevention
- One additional test: health screen (blood test), radiograph, or electrocardiogram (EKG)
Nationwide’s pet wellness plans provide annual maximum benefits of up to $400 or $500. Additionally, limits may apply to specific tests per policy term.
Highlights
- Pet wellness backed by a major insurance brand
- Low monthly cost, relative to annual plan benefit value
- Ability to be purchased separately from a larger insurance policy
- Freedom to choose your own veterinarian
Banfield Pet Hospital Optimum Wellness Packages
Banfield is one of the nation’s largest veterinary networks, with over 900 hospitals. They offer a variety of wellness packages that encourage proactive care.
Policy costs can vary based on several factors including age, species, and location. But generally, pricing starts at around $22 monthly for cats and $30 monthly for dogs. Banfield’s Optimum Wellness Packages typically include:
- Bi-annual wellness exams
- Vaccinations
- Parasite control
- Nutrition
- Unlimited office visits
Highlights
- Discounts on Banfield services, even if outside of your specific wellness package
- Provide pet parents proactive control over their pet’s health
- Plans offer value when paired with visits to Banfield locations
- Flexibility to choose additional insurance, if desired
Pet’s Best Routine Care Packages
Pet’s Best is routinely heralded as a top pet insurance provider. To complement its insurance, the brand features two tiers of pet wellness plans, “EssentialWellness” ($16 per month) and “BestWellness” ($26 per month). These pet wellness plans cannot be purchased separately from the brand’s core insurance.
Both levels of coverage cover the usual procedures up to a specific dollar amount, including wellness exams, fecal exams, blood tests, microchipping and limited vaccination. There are annual maximum benefits, capped at $305 and $535, but neither plan has any deductible tied to it.
Highlights
- Low monthly cost
- Wide variety of coverages
- Backed by the valued pet insurance provider
- Flexibility in choosing your own veterinarian
Embrace Pet Insurance
The Embrace pet insurance has wellness plans that cover for
- Wellness Exams
- Spay or Neuter Surgery
- Training
- Grooming
- Vaccines & Preventatives
- & a lot more
ASPCA Pet Health Insurance
This pet insurance company have wellness plans that cover
- Vaccines
- Spay
- Wellness exams
- And a lot more
FAQs
Pet insurance is a health insurance plan for pets that are purchased by parents as curative a measure for their sick or injured pet.
Pet insurance deals with emergencies and unexpected events while pet wellness deals with the total well-being of the pet.
Most times, pet insurance companies also have pet wellness plans but they run independently of the other.
Pet health care isn’t a walk in the park. They are quite expensive hence the need for an insurance plan to help cushion the expenses.
Conclusion
Pet parenting is not an easy ride especially with how expensive pet health care is but with pet insurance, your pet can get health care on a plan. All you need to do is choose a plan that best suits you and your pocket size.
Note that pet wellness which is preventive health care is also important. With an adequate routine plan for your pet, you might have little need for emergencies.
This goes to say that both pet insurance and pet well-being are important. Running both may threaten to leave a hole in your pocket but if you truly love and care for your pet, there will always be a way around it.
Recommendations
- 15 Best Dog Insurance in 2022 | Know This Now
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- What Is Coinsurance In Health Insurance?
References
- www.aspca.org wellness plans
- www.embracepetinsurance.com
- www.thehealthypetclub.co.uk pet insurance
- www.investopedia.com best pet insurance
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