Pet insurance can help protect your furry family member from unexpected accidents and illnesses, but what about routine care? Pet insurance with wellness coverage can help cover everyday preventive services like annual exams, vaccinations, and dental cleanings—keeping your pet healthy while potentially covering routine veterinary costs.
What Is Pet Insurance with Wellness Coverage?
Standard pet insurance plans typically help cover unexpected accidents and illnesses. Wellness coverage—also called preventive care coverage—is an optional add-on for an extra cost that can help cover routine veterinary services.^
According to the American Veterinary Medical Association (AVMA)¹, regular preventive care is essential for maintaining your pet’s health and catching potential issues early.
What Can Wellness Coverage Help Cover?
Wellness add-ons can vary by provider, but typically help cover services like:
Annual wellness exams
Vaccinations and boosters
Flea, tick, and heartworm prevention
Spay/neuter procedures
Routine blood work and screenings
These routine services can add up quickly. According to CareCredit², annual wellness visits can cost $50-$250 per visit, and dental cleanings can range from $300-$700.
How Does Spot’s Preventive Care Add-On Work?
Spot Pet Insurance plans³ offer an optional preventive care add-on that can help cover routine services for an additional monthly cost. Here’s how it works:
Choose your plan: Add preventive care coverage when you enroll or at renewal
Visit any licensed vet: Use any licensed veterinarian in the U.S.
Pay your vet: Pay at the time of service
Submit your claim: File a claim through the Spot app or online
Get reimbursed: Receive reimbursement for eligible covered services
Unlike accident and illness coverage, preventive care coverage typically has no waiting period—coverage can start as early as the next day.
Is Wellness Coverage Worth It?
Adding wellness coverage to your pet insurance can be valuable if you want predictable costs for routine care. Many pet parents find that wellness add-ons help them budget for preventive services while keeping their pets healthy.
Consider wellness coverage if:
You want help covering routine vet visits
Your pet needs regular preventive medications
You prefer predictable monthly costs over larger annual expenses
Frequently Asked Questions
Can pet insurance help cover dental cleanings?
Standard accident and illness plans can help cover dental injuries and accidents. Routine dental cleanings are typically only covered if you add preventive care coverage.^
What’s the difference between wellness coverage and accident/illness coverage?
Accident and illness plans help cover unexpected veterinary costs like injuries, infections, and chronic conditions. Wellness coverage helps cover routine preventive care like vaccinations and annual exams.^
Can I add wellness coverage to my existing Spot plan?
Yes, you can add preventive care coverage to your Spot pet insurance plan³ at enrollment or during your policy renewal period.
^Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage.
With 10 years of experience as a pet parent, I aim to empower pet owners with insights into pet insurance and maintaining their pet's well-being. I aspire to be a trusted source, combining knowledge with a commitment to the welfare of our beloved pets.
American Veterinary Medical Association. “Preventive Pet Healthcare.” AVMA. https://www.avma.org/resources/pet-owners/petcare/preventive-pet-healthcare
CareCredit. “Pet Care Costs.” CareCredit. https://www.carecredit.com/well-u/pet-care/
Spot Pet Insurance. “Pet Insurance Plans.” Spot Pet Insurance. https://spotpet.com
