Any time you are dealing with pet insurance, you need to know what you’re really signing up for. The basic idea behind pet wellness plans is to add on to your existing pet insurance policy, or you can get a wellness coverage plan on its own. Still, it can be difficult to understand the differences between what is covered under wellness care versus a typical pet insurance plan. With that in mind, we're going to look at what a wellness policy can provide for you.
What is Wellness Coverage?
A wellness plan is a form of coverage that is designed as preventative care for pets rather than emergency-only coverage. You can find these plans for both dogs and cats. Due to this, coverage can vary depending on the company you choose to go with. Like regular insurance, wellness coverage is issued through a pet insurance company. However, this coverage is far different than a typical insurance plan.
Wellness coverage, standalone or as an add-on, is issued from an insurer to provide a routine care plan for vet visits. Preventive care often provides pets with neutering, spaying, deworming, dental cleaning, vaccination, heartworm prevention, and much more.
Some of the more unique forms of preventive medicine that are provided include urinalysis and fecal tests. When combined as a dynamic duo, most if not all of your pet needs for basic care will be met. This will allow you to customize your pet health insurance because of the fact that you have coverage for the most common vet visits.
What Makes a Wellness Plan Different?
When you see all the ways that wellness plans can help pet parents cope with expensive bills during the first year of life and beyond, you might think that it's no different than regular pet insurance plans.
However, there are some key differences. Since a wellness plan is not typical insurance coverage, the reimbursement schedule tends to be a lot quicker. Usually, there is a set amount of money that is reimbursed based on the specific care that is provided to your pet. Thus, you will be responsible for certain fees for services like x-rays and microchipping.
Another major difference is that most wellness plans do not have a waiting period for enrollment. You're getting checkups, heartworm tests, and other minor, yet cumulative, vet bills that you would like some help paying. Often, you might find that in addition to having no waiting period, not every wellness plan has a deductible for you to meet.
To reiterate, a wellness plan is not the same as typical pet health insurance, so it does not provide illness coverage or aid with the high end of care costs, like emergency procedures. These plans are perfect for people looking to meet their pets' basic health care needs, especially in the early years of their furry friend's life.
Wellness plans are a very helpful part of total pet healthcare. They reduce the costs of getting a microchip, blood tests, teeth cleaning, and much more. While they come with a monthly payment and they don't cover as much as a regular plan, they're still a valuable addition to your pet's health plans.