Best pet wellness plans for December 2024

Lemonade’s fast claims processing, AI-powered customer service and user-friendly app make it an ideal choice for pet owners who prefer a modern, seamless insurance experience.

• Preventative care package: This plan covers routine wellness exams, vaccines, heartworm and fecal tests and bloodwork. From $15 per month, it covers up to $265 a year.
• Preventative+ package: This includes all Preventative Care benefits, plus coverage for routine dental cleanings, flea/tick prevention and more comprehensive bloodwork. It starts at $22 a month and covers up to $480 a year.
• Preventative for puppies: Tailored specifically for puppies, this plan covers essential vaccinations, wellness exams, spay/neuter procedures and other important early-life care. It starts at $40 a month and covers up to $650 annually.

ASPCA is one of the few providers that includes preventative care plans for horses, making it an obvious choice for equine owners who want comprehensive preventive care.

• Basic plan: This option covers essential routine care like vaccinations, dental cleaning and an annual wellness exam. It costs $9.95 monthly and covers up to $250 a year.
• Prime plan: This plan includes all Basic Plan benefits plus additional coverage for flea and heartworm prevention, spay/neuter surgeries and more. It costs $24.95 per month and covers up to $450 a year.
• Routine horse plan: It covers routine care specific to horses, including vaccinations, dental care and annual exams. This plan costs $9.95 a month and covers $175 a year.
• Platinum horse plan: This includes all Routine Plan benefits plus coverage for additional vaccinations and medical tests. It costs $24.95 monthly and covers $425 a year.

Embrace offers the "Healthy Pet Deductible." For every year you don't file a claim for a reimbursement, your deductible the next year is lowered by $50. This feature can help you save money when your pet stays healthy. The Healthy Pet Deductible resets once you file a claim.

• Cat wellness plan: This plan includes routine exams, vaccinations, dental cleanings and other services tailored to feline health. It costs $18.75 per month and covers up to $250 per year in wellness rewards.
• Dog wellness plan: This plan covers essential preventive care for dogs, including wellness exams, vaccinations, dental cleanings and more. It costs $35.42 per month and covers up to $450 per year in wellness rewards.
• Puppy and kitten wellness plan: This plan focuses on the unique needs of young pets, offering coverage for spaying/neutering, vaccinations and routine exams. It costs $52.09 per month and covers up to $650 per year in wellness rewards.

Figo's intuitive app simplifies managing your pet's insurance, offering easy access to claims, policy details and wellness add-ons. This tech-forward approach makes it perfect for pet owners who prefer seamless, digital management of their pet’s health care.

• Wellness Basic Powerup: This plan covers routine wellness exams, certain core and optional vaccines, flea/tick/heartworm prevention, spay/neuter or dental cleaning, essential tests (like blood panels and fecal tests), microchipping and deworming. It costs $9.50 per month and covers up to $135 annually.
• Wellness Plus Powerup: This offers all the coverage of the Basic plan with higher reimbursement amounts for each service. It costs $16.50 per month and covers up to $250 annually.

Hartville offers high annual reimbursement limits and customizable wellness plan options, allowing pet owners to choose between basic and comprehensive care. This flexibility ensures that routine and advanced preventive needs are met, making it a great choice for those who want extensive wellness coverage.

• Basic preventative care: This plan covers routine exams, deworming, essential vaccines, heartworm and fecal tests, excluding spay/neuter and dental cleaning. It costs $9.95 a month and covers $250 a year.
• Prime preventative care: This plan offers the same coverage as the Basic plan, plus additional benefits like bordetella vaccination, flea/heartworm prevention, blood tests, urinalysis and a health certificate. It costs $24.95 per month and covers $450 a year.

ManyPets simplifies pet wellness with a comprehensive plan that covers a broad range of preventive care services. This straightforward approach is perfect for pet owners who want reliable coverage without the need to navigate multiple plan options or add-ons.

• ManyPets wellness plan: This plan covers routine wellness exams, core vaccinations, flea/tick/heartworm prevention, dental cleanings and other essential preventive services. It costs $34.95 a month and covers up to $600 a year.

MetLife's wellness plan is an excellent choice for pet owners who want comprehensive preventive care, especially those whose pets require prescription diets. The plan's broad coverage and high annual limits ensure that your pet's routine care needs are met.

• MetLife preventative care add-on: Covers routine exams, vaccinations, flea/tick prevention, dental cleanings and other essential preventive services. The costs and limit are not advertised.

Nationwide is the only pet insurance company that provides care for exotic pets in addition to cats and dogs. Check with the company directly to see if there is an option for your type of pet.

• Pet wellness plan: The plan covers preventive care services such as exams, vaccinations, flea control, heartworm prevention and routine tests. It starts from $17 a month and covers up to $800 per year.