Best pet wellness plans for January 2025

Affordable pricing:Lemonade offers some of the most competitively priced wellness plans on the market, making preventive care available to more pet owners.

User-friendly app: The highly intuitive app streamlines managing your pet’s insurance, from filing claims to accessing wellness plan details.

Comprehensive preventive options: The Preventative+ and Preventative for Puppies and Kittens plans provide extensive coverage for routine and advanced care, catering to pets of all life stages.

Limited wellness coverage: The basic Preventative Care Package offers lower annual limits, which might not be sufficient for pets with higher routine care needs.

No customization: Lemonade’s wellness plans lack the flexibility to tailor coverage to specific needs, which might limit options for pet owners seeking more personalized care. They have many add-ons such as dental and behavioral issues that you need to purchase separately.

No spay/neuter coverage in regular wellness plans: While the Preventative for Puppies plan includes spay/neuter, this coverage is not available in the regular wellness plans. This may be an issue for people adopting older pets that are not yet spayed or neutered.

Flexible options: Different levels of wellness plans can fit different needs.

Inclusive coverage: Unique wellness plans for horses, dogs and cats.

Wide acceptance: Coverage is applicable at any licensed vet in the U.S.

Coverage limits: Annual limits for wellness plans may be lower compared to some competitors.

Higher premiums: Prime Plan can be more expensive than basic wellness options from other providers.

Limited nationwide availability: Policies that cover horses are not available in all states.

Customizable coverage: Choose based on your pet's stage of life and the frequency of wellness visits you're expecting.

Comprehensive preventive care: Plans provide extensive coverage for routine exams, vaccinations and dental cleanings, without having to follow a checklist.

Flexible reimbursement: Pet owners can adjust the coverage level according to their budget.

Higher cost for higher tiers: Top coverage tiers can be relatively expensive compared to other providers that may offer more affordable options for similar coverage.

Unused funds don't roll over: Wellness Rewards balance doesn't roll over, which may result in losing value if you don’t utilize the full benefit.

Potential for overpayment: Since Embrace Wellness Rewards is a flexible fund, you may select a tier that exceeds your actual annual spending on wellness care.

Customizable coverage: Tailored wellness plans suit different pet types and specific needs.

Comprehensive preventive care: Coverage includes routine exams, vaccinations, dental cleanings and other pet care.

User-friendly app: Streamlined digital management for claims, policy details and wellness add-ons make things simple to manage on the go, plus Figo families get 24/7 access to their Live Vet via the Pet Cloud app.

Limited coverage for chronic conditions: The wellness plans focus primarily on routine and preventive care, which might not be sufficient for pets with chronic conditions requiring frequent vet visits.

Plan limits may be restrictive: The annual limits for wellness reimbursements are lower than competitor offerings, potentially leaving pet owners with higher out-of-pocket costs for more comprehensive wellness care.

Comprehensive preventive coverage: Both plans cover a broad range of essential and advanced preventive services, ensuring your pet receives well-rounded care.

Customizable plan options: The flexibility between the Basic and Prime plans allows you to choose the coverage level that best fits your pet's needs and your budget.

Higher reimbursement limits: The Prime plan offers higher annual reimbursement limits, making it ideal for those seeking more extensive preventive care.

Confusing plan structure: The differences between the Basic and Prime plans may be unclear, which makes it challenging to decide which plan offers the best value for your situation.

No coverage for spay/neuter: Neither the Basic nor Prime plans include coverage to spay/neuter your pet, which could lead to significant out-of-pocket expenses for these procedures.

Potential overpayment for extras: The Prime plan’s higher premiums might not be necessary for all pet owners, especially if your pet doesn’t need the additional services it covers.

Comprehensive coverage: The plan includes a wide range of preventive services, from exams to dental cleanings.

High annual limit: There is a generous $600 annual cap on covered services.

Easy to manage: One plan covers all the essentials.

Limited customization: There is only one wellness plan option, so there is no flexibility to choose higher or lower levels of coverage.

No rollover: Unused benefits do not carry over to the next year.

Monthly cost: The plan is more expensive than other providers with basic wellness options.

ManyPets has paused offering new pet insurance policies in the U.S. and is switching over to a new provider called Odie. Current policyholders' coverage will continue until their renewal date, when they will then be switched to Odie.

Broad preventive care: The plan covers a variety of essential services and unique wellness care options that other insurers do not cover, as long as your vet has recommended it for illness and injury prevention.

Ease of integration: The plan seamlessly integrates with MetLife's pet insurance policies, offering a straightforward approach to managing preventive care.

Prescription diet coverage: It reimburses the cost of prescription diets, which is ideal for pets with special dietary needs.

Bundled with insurance: Wellness coverage cannot be purchased separately and must be added to a MetLife Pet Insurance policy.

No customization: The wellness plan is a fixed package, with no options to tailor coverage to individual needs.

No rollover for unused benefits: Any unused portion of your wellness benefits does not carry over to the next policy year.

Comprehensive preventive care: The wellness plan offers a wide variety of services, including exams, vaccinations and preventive treatments.

Exotic pet coverage: It includes wellness care for exotic pets, which is rare among providers.

Annual cap: While generous, the $800 annual limit may still be limiting for some pets with extensive wellness needs.

Cost: Nationwide's preventive care plans are on the expensive end of the spectrum.