Pet insurance and pet wellness plans are two distinct options designed to help make your pet's healthcare more affordable. Each offers its own distinct benefits, so it's important for you to understand the differences between them. Here, our Middlesex vets explain some more about both pet insurance and wellness plans.
Protecting Your Pet's Future
Wellness plans and pet insurance policies both offer their own benefits, but each does so very differently. When considering which options to take, it's important that you understand what kinds of services your pet will and won't be covered for. By understanding these options, you won't be left unexpectedly out of pocket when visiting your vet or when planning the payment of your companion's health care fees.
What is a wellness plan?
Wellness plans make it easier for you to cover the cost of routine veterinary care and, unlike pet insurance, you only pay for the treatments and services you use throughout the year.
Wellness plans give you the chance to adopt a more proactive approach to your pet's veterinary care by paying a small amount each month rather than a larger lump sum with each routine veterinary visit. These plans allow your vet to spot signs of early diseases and conditions your pet may have before they become more serious and more expensive to treat.
What does a wellness plan cover?
Generally, wellness plans cover routine vet care including wellness exams, parasite preventives, annual blood testing and vaccines. Improving and maintaining the standard of your pet’s overall health during their lifetime is easier because these plans spread out the cost of routine vet care.
What is pet insurance?
If your pet requires emergency veterinary care, pet insurance helps you to over the cost of treatment.
Fact is that, emergency treatment or treating an illness like cancer or diabetes can become very expensive. If you have pet insurance it means you will have financial help to pay the bills for any conditions and accidents that are covered by your pet insurance policy.
What does pet insurance cover?
Pet insurance policies differ but they generally cover treatment of illness and injuries after accidents or emergencies. Some policies may even cover prescription medications, congenital conditions and orthopedic diseases and disorders.
How do I choose which option to buy?
Making sure you know exactly how wellness plans and pet insurance can benefit you and your pet can help you decide which is right for you. Some pet owners choose either a wellness plan or pet insurance, while others subscribe to both to ensure their pet has complete coverage.
If you aren't sure which coverage is right for you, ask your vet. They can help you decide based on your pet's particular needs and concerns.