Dog insurance prices have climbed more than 5% since last year and costs about $676 per year. These rising costs can feel overwhelming for pet parents like me who want the best care for their furry friends.
Standard pet insurance helps with unexpected vet bills, but routine care coverage matters just as much. Adult dogs need at least one yearly checkup. Puppies need several visits to get their core vaccinations during their first year. I have really researched and compared insurance plans that cover both emergency and preventive care. The wellness benefits usually cost around $25 a month.
Pets Best provides coverage to over 750,000 pets, while Lemonade processes claims quickly – settling 40% of claims in seconds. Let me show you the 7 best dog insurance plans that make routine care more affordable in 2025.
Pets Best Wellness Coverage
Pets Best features a unique two-tier wellness coverage system. You can add either EssentialWellness or BestWellness plans to your standard pet insurance policies.
Pets Best Routine Care Coverage Details
EssentialWellness covers basic preventive services like deworming, diagnostic panels, blood work, and wellness exams. The BestWellness plan gives you many more services including spaying/neutering and teeth cleaning. You can start using wellness benefits just one day after you enroll.
Wellness Plan Pricing and Limits
The EssentialWellness plan costs between $14.00 to $21.75 per month and provides yearly benefits up to $305.00. The complete BestWellness plan costs $26.00 to $32.58 monthly with total yearly benefits of $535.00. Neither plan has deductibles, which makes routine care expenses easier to manage.
Integration with Standard Coverage
These wellness plans work with Pets Best’s accident and illness coverage but have different benefit structures. Routine care coverage helps you manage expected vet expenses, especially when you have puppies that need multiple vaccinations and preventive treatments. You can add these plans when you first enroll, within 30 days of enrollment, or during yearly renewal.
Claim Process for Routine Care
You can submit claims efficiently through several channels:
- Online portal from your desktop or mobile device
- Fax or regular mail
You’ll get reimbursed in 5-7 days through direct bank deposits or 3-5 days with CareCredit Card payments. Pets Best suggests including your original paid invoices and payment proof with each claim to speed up processing.
ASPCA Pet Health Insurance Preventive Care
ASPCA Pet Health Insurance includes preventive care coverage with their base insurance plans. Pet owners can add this coverage starting at $9.95 monthly. You can start claiming benefits right after enrollment.
Basic vs Prime Preventive Care Options
The simple plan covers these vital preventive services:
- Dental cleaning
- Annual wellness exams
- Core vaccinations (DHLPP/FVRCP)
- Rabies shots
- Fecal and heartworm testing
- Simple deworming treatments
The Prime plan adds more benefits like flea prevention, blood tests, urinalysis, and extra vaccinations such as Bordetella. A great feature of the Prime plan lets you choose between dental cleaning or spay/neuter procedures.
Coverage Limits and Restrictions
ASPCA’s preventive care works differently from regular insurance plans. Pet owners don’t need to worry about deductibles or coinsurance for wellness services. Each service comes with its own yearly maximum reimbursement amount. Wellness exams have a $50 reimbursement limit.
You can’t buy this coverage by itself – it needs to be part of either Complete Coverage or Accident-Only plans. Submitting claims is easy through the My Pet Insurance app. Just take a photo of your invoice and list the services you received.
Cost-Benefit Analysis
The preventive care add-on works like a prepayment system for routine services. You should assess your pet’s yearly wellness needs against the monthly cost. Pets needing standard preventive care fit well with the simple plan. The Prime plan makes more sense for pets that need detailed wellness services.
Your pet’s age and health needs matter most when choosing coverage. Young puppies get more value from preventive coverage because they need frequent vaccinations and wellness visits. Regular check-ups help catch health issues early and keep your pet healthy throughout their life.
Embrace Wellness Rewards
Embrace Wellness Rewards works differently from regular pet insurance add-ons. It’s a flexible membership program that pays you back for routine care costs without any preset spending limits.
Three-Tier Wellness Coverage System
The wellness program offers three yearly allowance options: $250, $450, or $650 per policy year. Pet owners can access their chosen allowance amount right from day one. They also get an extra $25 bonus they can use for preventative care services.
Wellness Rewards Pricing
Monthly payments match your selected coverage tier. A $300 wellness plan costs about $22.92 each month. Pet parents can pick higher tiers based on their predicted routine care needs. The plans come with no deductibles or copayments.
Flexibility in Routine Care Services
The program covers many preventative services such as:
- Wellness exams and vaccinations
- Blood work and fecal tests
- Spay/neuter procedures and microchipping
- Preventative dental cleaning
- Grooming and training services
- Flea, tick, and heartworm prevention
- Alternative treatments and nutritional supplements
Embrace stands out because pet owners can use their yearly allowance freely without per-item limits. This lets them choose which wellness services matter most for their pets.
Military Discount Benefits
U.S. military members, both active and former, get a 5% discount on their accident and illness policy premium. This discount applies to immediate family members serving in the Air Force, Army, Marines, Navy, or Coast Guard. The military discount isn’t available in New York and Tennessee.
MetLife Pet Preventive Care
MetLife’s preventive care coverage features two distinct wellness plans that provide detailed routine care benefits alongside standard pet insurance policies.
Preventive 365 Plan Features
The Preventive 365 plan costs $21.00 monthly and provides annual coverage up to $365. This basic plan has these essential wellness services:
- Dental cleaning (up to $100 annually)
- Vaccinations and parasite prevention
- Spaying/neutering
- Supplements and vitamins
- Microchipping
- Behavioral training
Preventive 575 Plan Features
The Preventive 575 plan costs $41.00 monthly with coverage limits reaching $575 annually. This improved plan offers similar benefits with higher reimbursement amounts, including $150 for dental cleaning procedures.
Dental Coverage Specifics
MetLife’s dental coverage includes detailed services under both preventive plans. The coverage has:
- Tooth extractions related to routine care
- Cleaning procedures with associated costs
- Bloodwork and pain medication
- Anesthesia and radiographs
MetLife can reimburse up to 90% of covered wellness expenses, which exceeds competitors who usually offer fixed amounts for dental services. This proves valuable especially when you have pets needing extensive dental care.
Wellness Claim Processing
The claim submission process is straightforward. Pet owners submit invoices to get reimbursement based on their chosen policy rate. Claims typically take 10-15 business days to process. You should include these for faster processing:
- Original paid invoices
- Complete payment documentation
- Veterinary records as needed
A standout feature shows that preventive care claims work separately from standard insurance deductibles. Your wellness benefits stay unaffected by other insurance claims, which ensures steady coverage for routine care throughout the year.
Spot Preventive Care Plans
Spot’s preventive care coverage gives pet owners flexible routine care options through two add-on plans that activate within 24 hours of purchase.
Gold vs Platinum Coverage
The Gold preventive care plan costs $9.95 monthly and provides annual benefits up to $250. The Platinum plan delivers better coverage at $24.95 monthly with total annual benefits of $450.
These core services are covered by both plans:
- Annual wellness exams and blood work
- Dental cleaning
- Deworming treatments
- Core vaccinations (DHLPP for dogs, FVRCP for cats)
- Fecal tests and urinalysis
The Platinum plan extends coverage to spaying/neutering, parasite prevention, and additional vaccinations like bordetella. This detailed option works great especially when you have puppies that need multiple preventive treatments.
Annual Benefit Schedules
Each covered service has specific reimbursement limits, which differs from standard insurance plans. The Gold plan’s wellness exam coverage stands at $50 annually. These plans offer simple reimbursements based on scheduled amounts instead of requiring deductibles.
The Platinum plan’s $450 annual allowance covers:
- Health certificates
- Flea and tick prevention
- Heartworm screening
- Additional vaccine options
- Nutritional consultations
Wellness Exam Coverage
Annual wellness exams are the life-blood of Spot’s preventive care benefits. Veterinarians can perform detailed physical assessments and run necessary diagnostic tests during these examinations. The plans include dental cleanings, which many pet owners overlook despite being vital to their pet’s overall health.
Pet owners can submit claims through the online portal, email, or traditional mail. The processing happens quickly since preventive care claims don’t need deductibles or waiting periods.
These preventive options complement Spot’s base insurance plans and help manage expected veterinary costs while promoting proactive pet healthcare. Pet owners have the flexibility to upgrade their existing preventive care add-on or include it during policy renewal.
Figo Wellness Powerup
Figo’s Wellness Powerup offers a fresh approach to routine care coverage. The Basic and Plus tiers help pet parents manage annual preventive care costs that this is a big deal as it means that $400.
Routine Care Coverage Details
The Wellness Powerup program uses a fixed reimbursement system with two distinct coverage tiers. The Basic tier offers annual benefits up to $135 and we covered essential preventive services. The Plus tier extends coverage to $250 per policy cycle.
Fixed reimbursement amounts for common services include:
| Service Type | Basic Tier | Plus Tier |
|---|---|---|
| Wellness Exam | $20 | $40 |
| Vaccines | $30 | $50 |
| Spay/Neuter/Dental | $40 | $75 |
| Testing | $20 | $45 |
| Microchip | $15 | $30 |
| Deworming | $10 | $10 |
Integration with Core Plans
Pet parents can add the Wellness Powerup to any of Figo’s complete insurance plans. A most important advantage is that wellness benefits activate immediately, with no waiting period for preventive care coverage. New pet parents benefit from this feature as they get immediate access to routine care benefits.
The coverage covers:
- Routine examinations and vaccinations
- Dental cleaning procedures
- Diagnostic testing
- Preventive treatments
Wellness Plan Limitations
The wellness coverage works differently from standard accident and illness policies. Benefits don’t roll over to the next policy year due to the fixed reimbursement structure. Vaccine coverage keeps a combined limit instead of individual limits per vaccine.
Pet owners can modify Powerups only during policy renewal. This rule means you need to think over your predicted wellness needs carefully when picking coverage levels. The program’s structure will give predictable reimbursement amounts that make budgeting for routine care expenses easier throughout the year.
Lemonade Preventative Care Package
Lemonade transforms everyday pet care through three preventative packages that provide yearly benefits from $265 to $490.
Basic Preventative Coverage
The starter preventative plan covers these simple wellness services with set yearly limits:
- One annual wellness exam (up to $55)
- Three vaccines (up to $80)
- Bloodwork (up to $75)
- Heartworm or FeLV/FIV testing (up to $45)
- Internal parasite or fecal testing (up to $40)
Most pet owners already spend more than the monthly premium of $16 for dogs and $10 for cats, making this package a smart way to handle expected vet costs.
Preventative+ Features
The Preventative+ package builds on the basic coverage and adds these advanced care options:
- Routine dental cleaning (including x-rays, anesthesia, and polishing)
- Flea/tick or heartworm medication
Dental cleaning benefits are a great way to get value, especially when you have standard cleaning costs between $500 to $1,000 for dogs and up to $1,000 for cats with specific dental needs.
Puppy/Kitten Specific Benefits
Lemonade designed a special package for pets under two years old at $48.41 monthly. This package includes:
| Benefit | Coverage Details |
|---|---|
| Wellness Exams | Two annual visits |
| Vaccines | Up to six shots/boosters |
| Testing | Two fecal/parasite tests |
| Preventive Care | Flea/tick and heartworm medication |
| Essential Procedures | Spay/neuter and microchipping |
| Health Screening | Bloodwork and heartworm/FeLV/FIV test |
This complete package helps build a strong foundation for young pets’ health with yearly benefits reaching $490. Pet parents can start using these benefits right after enrollment for essential early-life procedures.
These preventative packages work separately from the base insurance policy’s deductible, which makes reimbursement simple for routine care. Pet owners can tailor their coverage based on their pet’s needs without meeting standard policy requirements.
