9 Affordable Dog Insurance Plans With Wellness Add-ons for 2025

Dog ownership costs surprise many pet parents. First-year expenses can reach up to $3,536 for giant breeds. Regular veterinary care costs $1,039 on average each year.

Standard pet insurance helps with unexpected medical bills and costs about $56 monthly for dogs. But these simple plans often miss vital routine care coverage that keeps pets healthy.

We’re excited to tell you about dog insurance providers with wellness add-ons. These detailed plans cover vaccinations and dental cleanings for about $25 more per month. You’ll find 9 budget-friendly options in 2025 that fit your needs, from simple preventive care to full wellness coverage.

Pets Best Budget-Friendly Wellness Plans

Pets Best delivers flexible wellness coverage options alongside its standard pet insurance plans. New pet parents will find great value in their wellness add-ons that begin coverage just one day after enrollment.

Pets Best Wellness Coverage Features

The wellness plans provide preventive care coverage with no deductibles required. The plans have annual exams, vaccinations, blood work, dental cleanings, and microchipping. Pet parents can also get benefits for spaying/neutering, preventative medications, and diagnostic panels.

Pets Best Pricing and Cost Analysis

Monthly premiums for wellness coverage range from $14.00 to $21.75 for the simple tier and $26.00 to $32.58 for the premium tier. Your pet’s age and location will affect the exact cost. Pets Best gives several options to cut costs, including a 5% multi-pet discount.

Pets Best Wellness Plan Tiers

Money-Saving Tips with Pets Best

Military families get a 5% discount on their plans. Farmers Insurance customers can save an extra 5% on accident-and-illness coverage. Dogs on Deployment members who are active service members qualify for a 5% discount during their first policy term.

Pet owners with wellness plans visited their veterinarians approximately 20% more frequently than those without coverage. These plans often result in better preventive care and lower long-term health costs.

ASPCA Value Wellness Coverage

The provider started its partnership with the ASPCA® in 2006 and offers two distinct wellness coverage tiers that complement their standard pet insurance plans.

ASPCA Wellness Plan Options

The simple preventive care package covers routine services like annual exams, dental cleanings, deworming, and select vaccines. The Prime tier provides expanded coverage that includes spaying/neutering, health certificates, urinalysis, and extra preventive measures like flea and heartworm prevention.

ASPCA Preventive Care Costs

The wellness coverage starts at $9.95 per month. Each tier has fixed annual maximum benefits for specific services:

These plans operate differently from standard insurance. There’s no deductible requirement before reimbursement, and coverage starts the day after enrollment.

ASPCA Multi-Pet Discounts

Pet owners get a 10% discount for each additional pet after their first enrollment. This discount applies to base policy premiums in most states. We designed these plans for value-conscious pet owners, and they include:

• A 30-day money-back guarantee if no claims are filed
• Freedom to visit any licensed veterinarian in the US or Canada
• Coverage for both routine care and unexpected medical needs

The preventive care coverage helps maintain regular veterinary visits. Studies show pet owners with wellness plans visit veterinarians about 20% more frequently. This increased attention to preventive care helps detect potential health issues early.

Embrace Customizable Wellness Rewards

Embrace stands out from other pet insurers with its Wellness Rewards program that works more like a flexible savings tool than regular insurance.

Embrace Wellness Plan Features

The program offers a wide range of preventive care services without limiting how much you spend on each item. You’ll get coverage for wellness exams, vaccinations, dental cleanings, and alternative treatments. The plan also covers grooming, training, and end-of-life services.

Embrace Pricing Structure

You can pick from three yearly allowance options:

Your funds become available right when you sign up and stay available for your entire 12-month policy term.

Embrace Wellness Rewards Benefits

Members get several exclusive perks:

• A $25 bonus to use for preventative care services
• Special discounts on popular pet care brands
• Pet health newsletters every quarter with helpful wellness tips

Flexible Spending Options

Embrace lets you spend your wellness funds however you want, unlike many other companies. You won’t deal with deductibles or copayments, which makes getting reimbursed much easier. Your allowance can go toward many services, from routine screenings to specialized treatments like chiropractic care and acupuncture.

Pet parents who want detailed preventive care coverage will find this wellness plan particularly valuable. More than 500,000 pet families have chosen Embrace, which shows how well it works for managing routine care costs while giving you budget flexibility.

Spot Pet Insurance Wellness Options

Spot’s wellness coverage starts just 24 hours after purchase, with a strong emphasis on proactive pet health. This quick access to preventive benefits makes it unique among pet insurers.

Spot’s Preventive Care Coverage

The wellness plans work with base insurance policies and reimburse routine vet services. Both tiers cover important preventive treatments like annual wellness exams, vaccinations, dental cleanings, and fecal tests. Vaccinations lead the claims with 137,963 claims, while heartworm or flea medications follow at 101,032 claims. These average $252.06 and $291.33 per claim.

Spot’s Wellness Plan Pricing

Pet owners can choose between two preventive care tiers based on their budget:

Coverage Limitations and Exclusions

Pet owners should know about some coverage limits. The plans exclude:

• Non-prescription food products and supplements
• Grooming or nail trimming services
• Breeding or pregnancy-related treatments
• Obedience training programs

Pet parents can plan better for their dog’s healthcare needs by knowing these exclusions. The preventive care options support routine wellness and regular check-ups, which help maintain optimal pet health through all life stages.

Hartville Affordable Wellness Add-ons

Hartville’s wellness add-ons work differently than regular pet insurance plans by providing fixed reimbursements for routine vet services. These coverage options work well with both Complete Coverage℠ and Accident-Only plans.

Hartville Wellness Coverage Details

You can choose between two preventive care tiers. The Basic Preventive Care plan has annual benefits up to $250 for simple services. This plan has:

• Dental cleaning ($100 reimbursement)
• Wellness exams ($50 reimbursement)
• Core vaccines ($20 per vaccine)
• Deworming ($20 reimbursement)
• Fecal and heartworm tests ($20 each)

Prime Preventive Care takes coverage up to $450 per year and gives you more money back for:

• Dental cleaning or spay/neuter procedures ($150)
• Wellness exams ($50)
• Flea/heartworm prevention ($25)
• Blood tests and urinalysis ($25 each)
• Additional vaccines and health certificates

Cost Comparison

The monthly premiums are easy to understand and affordable:

Pet parents can save even more money through several discounts:

• 10% multi-pet discount
• $24 annual savings by paying yearly

Waiting Period Information

Most insurance plans need waiting periods, but Hartville’s preventive care benefits start the day after you enroll. This optimized approach lets you access wellness services right away, which helps new pet parents who need quick preventive care.

You can submit claims for preventive services just like standard insurance claims. The reimbursements follow a fixed schedule instead of matching your actual bill.

Figo Wellness Powerup Plans

Figo’s Wellness Powerup plans go beyond standard pet insurance by providing fixed reimbursement amounts for preventive care. These plans are available in two tiers – Basic and Plus. This is a big deal as it means that annual preventive care costs can reach $400 or more.

Figo Wellness Features

The Basic Wellness Powerup gives you annual reimbursements up to $135, while the Plus tier provides coverage up to $250 for each policy cycle. Both tiers cover these services with set reimbursement amounts:

Figo Cost Structure

Monthly premiums stay the same regardless of location, which helps with budget planning:

• Basic Wellness: $5.50 per month
• Wellness Plus: $9.50 per month

Pet owners can save 5% on their base insurance plan by enrolling multiple pets. Military members get an extra 5% discount in most states.

Coverage Benefits

These wellness plans start right away with no waiting periods. The coverage includes:

• Annual wellness examinations
• Preventive vaccinations
• Dental cleanings
• Blood work and testing
• Parasite prevention
• Health certificates

Claims typically get processed within three days, faster than what most competitors offer. Figo lets you submit unlimited claims throughout your policy year.

MetLife Pet Wellness Coverage

MetLife Pet Insurance stands out by providing most important reimbursements for wellness services rather than fixed dollar amounts. Their preventive care add-on works with standard pet insurance policies to create a complete coverage for routine pet health expenses.

MetLife Wellness Plan Options

The preventive care plan covers more than a dozen wellness services. The coverage has:

• Dental cleanings with associated expenses (anesthesia, pain medication, bloodwork)
• Vaccinations and preventive medications
• Spaying/neutering procedures
• Parasite prevention
• Supplements and vitamins
• Anal gland expression

Pricing and Discounts

MetLife’s pet insurance plans are available at competitive rates:

The provider gives several ways to save money:

• Military, veteran, first responder, and healthcare worker discount – 10%
• Multi-pet discount – 5% for second pet, 10% for additional pets
• Animal care discount – 10% for vets, animal welfare, and shelter employees

Coverage Details

MetLife’s wellness plan can reimburse up to 90% of covered expenses, subject to the annual limit. The plan covers a wide range of services:

• Genetic testing (when purchased through a vet)
• Radiograph screenings
• EKG tests
• Behavior training (vet-recommended for anxiety/aggression)
• Dew claw removal
• Tail docking
• Gastropexy

The wellness coverage starts right after enrollment, without doubt beneficial for new pet parents who need prompt preventive care. Pet owners can tailor their plans by choosing their preferred reimbursement rate, deductible, and annual benefit limit to match their budget and pet’s needs.

Lemonade Preventive Care Plans

Lemonade’s preventive care packages come in three distinct tiers that match different pet care needs.

Lemonade Wellness Features

The simple Preventative package has these routine care services:

• Annual wellness exam (up to $50)
• Three vaccines (up to $75)
• Bloodwork (up to $65)
• Parasite testing (up to $35)
• Heartworm/FeLV-FIV testing (up to $40)

The Preventative+ package offers more coverage with these additions:

• Routine dental cleaning with x-rays and anesthesia (up to $150)
• Flea/tick or heartworm medication (up to $65)

We designed the Puppy/Kitten Preventative package for pets under two years. It has:

• Two wellness exams (up to $100)
• Six vaccines (up to $150)
• Two parasite tests (up to $70)
• Spay/neuter procedure (up to $120)
• Microchipping (up to $40)

Cost Analysis

The pricing structure stays simple for all plans:

Pet parents can reduce costs with these discounts:

• 5% multi-pet discount
• 10% bundle discount with home/car insurance
• 5% annual payment discount

Plan Limitations

Wellness coverage starts the day after enrollment. Pet owners can submit claims for preventive services without meeting deductibles.

These plans have specific limits:

• Age limit: Pets must be under 14 years for enrollment
• Coverage caps: Each service has predetermined annual limits
• Geographic restrictions: Not available in 12 states
• Reimbursement structure: Plans cover 80% of routine care costs

The app-based system processes claims quickly and issues reimbursements within two days. These wellness packages work separately from standard insurance deductibles and are a great way to get routine care expenses under control.

CarePlus by Chewy Wellness Options

CarePlus by Chewy has changed the pet wellness scene with two detailed preventive care plans that work alongside their standard insurance coverage.

CarePlus Wellness Coverage

They offer two different wellness tiers – Wellness and Comprehensive plans. The Wellness plan has:

• Annual check-ups (up to $75)
• Fecal tests (up to $40)
• Vaccines (up to $80)
• Blood tests (up to $50)
• Heartworm tests (up to $45)

The Comprehensive plan gives more value with higher reimbursements for annual check-ups (up to $90) and blood tests (up to $75). This tier adds coverage for flea, tick, and heartworm medications (up to $145).

Pricing Structure

CarePlus keeps their monthly costs clear for both wellness plans:

Pet owners can save money with a 10% multi-pet discount on either wellness or insurance plans. These plans have no annual deductibles, so you can use them right away.

Prescription Coverage Benefits

CarePlus stands out with its prescription medication benefits. Members get:

• 100% coverage for eligible prescription medications bought through Chewy Pharmacy
• Access to Connect with a Vet service for virtual consultations
• Direct access to licensed veterinarians from 6 a.m. to midnight EST, seven days a week

The wellness plans blend naturally with Chewy’s broader healthcare system, which has the largest pet pharmacy in the United States. New pet parents can take advantage of special puppy wellness offerings that cover up to $150 in vaccination costs. These plans prove their worth as studies show that 46% of pet parents spend more on their pets’ medical needs than their own.

Conclusion

Dog parents who watch their budget will find great value in pet insurance plans with wellness add-ons. These complete plans help you manage your pet’s routine care costs and unexpected medical bills.

Standard pet insurance averages $56 monthly, and wellness add-ons usually cost $25 more. The combined coverage makes sense since yearly vet care for dogs runs about $1,039. Your total costs can drop with flexible payment plans and multi-pet discounts from many providers.

Our review of providers shows each one shines in its own way. Pets Best gives you coverage starting the next day, while MetLife boasts high reimbursement rates. ASPCA focuses on value-packed options, and Embrace lets you customize wellness rewards. Spot, Hartville, Figo, Lemonade, and CarePlus complete our list with competitive prices and solid preventive care benefits.

Your dog’s specific needs and your budget should guide your wellness plan choice. Note that these add-ons are a great way to get better health outcomes and can save you money over time with your furry family member.