Best Pet Insurance for Routine Care

Embrace offers more wellness plan options than most insurers. It has three options for Wellness Rewards reimbursements: $250, $450, and $650 per year. You also get a $25 annual reward. You can also change your plan during renewal every year. Puppies and kittens typically require more care, so you can start off with the $650 plan and as your pet gets older, switch to the $250 plan. Your full Wellness Rewards amount is also available for use the day you sign up.

For its pet insurance plans, Embrace has a feature called the "Healthy Pet Deductible." For every year a pet owner doesn't receive a claim reimbursement, the deductible is reduced the next year by $50. This means if you have a $200 deductible and do not have a claim for four years, then your deductible will be $0. Once you submit a claim, the Healthy Pet Deductible resets. Many pet insurance companies have waiting periods from 14 to 30 days before coverage kicks in. Waiting periods for Embrace are just two days for accidents and 14 days for illnesses. Many insurers also do not cover the cost of a pet's exam fee, but Embrace covers the exam fee for all covered accidents and illnesses.

The cost of Spot's Gold Preventive Care Plan is $9.95/month, which adds up to $119.40/year. If used to its full potential, the Gold Plan pays up to $250 in routine vet bills. The Platinum Plan at $24.95/month comes to $299.40/year. If used to its full potential, it pays up to $450 on routine vet bills. The Platinum Plan also gives additional benefits such as spaying/neutering, blood tests, urinalysis, and deworming.

Spot Pet Insurance offers customizable options for dog and cat owners. Many pet insurance companies offer a limited selection of coverage options, but Spot allows pet owners to choose tailored pet policies, the reimbursement percentage they want, and the annual limit amount as well as the annual deductible amount. Spot offers an unlimited annual limit. With this option, there is no cap on the annual claim limit after the deductible is met. If pet owners want the maximum level of coverage, then Spot provides policies with 100% coverage option, low deductibles, and a variety of preventive pet insurance options. Spot plans include coverage options for alternative therapy, behavioral training, vitamins, and supplements.

ASPCA offers two preventative care plans. The basic plan is $9.95 a month and the Prime Preventive Plan is $24.95 a month. The total annual benefits for the basic plan are $250 and the Prime plan $450. There is no waiting period or deductible for these plans. These benefits are available as soon as your plan is effective. Some insurers require you to have the policy for 30 days before you can add on a wellness plan.

Another benefit that ASPCA offers is coverage for hereditary and congenital conditions. Most plans exclude pets with hereditary and congenital conditions or have age requirements for pets to qualify. ASPCA Pet Health Insurance plans have coverage for hereditary and congenital conditions and covers pets regardless of health conditions. ASPCA has no age limits for illness coverage enrollment. It also does not require an exam before pet owners get reimbursed for claims.

Lemonade is a pet insurance company that uses AI to process claims quickly through its digital app. Lemonade can cover pet owners in seconds and states that claims will be approved in minutes. Lemonade offers three types of preventive packages: the basic Preventative Package, Preventative+ Package, and the Puppy/Kitten Preventative Package. The costs range from $10 to $44 a month depending on the package. The Puppy/Kitten Preventative Package is the most expensive, but it includes coverage for two wellness exams, six vaccines, two fecal or internal parasite tests, spay/neuter, microchipping, and heartworm or flea/tick medication.

Lemonade also offers renters, homeowners, and car insurance. Pet owners can receive a 10% bundle discount if they use Lemonade's other services and a 5% multi-pet discount. Lemonade is a public benefit corporation. A public benefit corporation is a corporation created to generate social and public good. Its goal is to operate in a responsible manner while making a positive impact. Lemonade donates a portion of profits to meaningful causes customers choose, including animal welfare organizations.

Figo offers two tiers of Wellness coverage: Basic and Plus. The price for the basic is $9.50 a month and $16.50 for the plus. Figo's plan prices are among the lowest, but they also have the fewest number of services. In addition, you can only purchase a wellness plan in conjunction with a pet insurance policy.

Figo has no lifetime maximum for care for their pet insurance plans. In addition, there is no per incident cap, meaning there is no maximum for claim payments by condition type. While no plan covers pre-existing conditions, Figo may cover pre-existing conditions considered curable if pets show no signs or symptoms within 12 months of the last treatment. Figo also offers the Figo Pet Cloud app. Pet owners can use the app to connect with other pet owners, find pet parks, pet day care centers and more. Through the app, Figo offers free 24/7 access to a licensed veterinarian to help during emergencies.

Pets Best offers two wellness plans, EssentialWellness at $16 per month and BestWellness at $26 per month. The total annual benefits for the EssentialWellness plan is $305 and $535 for the BestWellness plan, one of the highest compared to its competitors. However you can only add the plan within 30 days of enrolling in a pet insurance plan or at renewal.

Pets Best states that it offers pet insurance policies with customizable coverages and rates based on your budget. It has a 24/7 Pet Helpline where you can talk to veterinary experts who can answer your questions. One of the biggest perks is that Pets Best offers Vet Direct Pay, where the insurer will pay your vet directly. Most insurers require you to pay out of pocket and will reimburse you for veterinary care costs. Pets Best allows you to easily submit claims through its Android and iOS apps.

Nationwide offers two wellness care plans. The wellness basic plan ranges from $12 to $18 a month and the wellness plus plan ranges from $17 to $22 a month. The total annual benefits for the wellness basic plan is $400 and $500 for the wellness plus plan. Nationwide's basic wellness plan offers more benefits than most of its competitors. Nationwide also offers one additional test such as a health screen (blood test), radiograph (X-rays), or electrocardiogram (EKG).

Many pet insurance companies only cover the most common pets, such as dogs and cats. Nationwide offers an Avian & Exotic Pet Plan that covers birds, rabbits, reptiles, and other exotic pets. The exotic pet insurance plan covers accidents and illnesses as well as examinations, lab fees, prescriptions, X-rays, hospitalization, and more. Nationwide offers two kinds of reimbursement. Its Whole Pet plan reimburses a percentage of what pet owners pay their veterinarian and its Major Medical plan and Pet Wellness plan reimburse owners according to a benefit schedule. The reimbursement is capped at a set amount for each condition or service.