Pet Wellness Plans vs. Pet Health Insurance: What’s the Difference?

Pet Wellness Plans vs. Pet Health Insurance: What’s the Difference?
Pet Wellness Plans vs. Pet Health Insurance: What’s the Difference?

Pet Wellness Plans vs. Pet Health Insurance: What’s the Difference? Pet ownership is a major financial commitment that lasts a lifetime. The average lifetime cost of owning a cat is approximately 9,150, while you can expect to pay between $7,565 and $19,060 for your dog.

To help offset these expenditures, many pet owners invest in pet wellness plans or pet health insurance. While both types of coverage are designed to make vet care more affordable for pet owners, they offer two completely different types of coverages. Learn more about the differences between PWT plans and insurance here

Table of Contents

What Is a Pet Wellness Plan?

Pet wellness plans cover routine preventative care services. The goal of these plans is to reduce the occurrence of future illnesses and injuries by helping pets maintain good health and well-being.

When you’re shopping for a pet wellness plan, it’s important to understand what services are and aren’t covered. Generally, the higher the monthly premiums, the higher the reimbursement limits and array of covered treatments. While each plan’s coverage terms are unique, pet wellness plans typically cover most preventive services.

After receiving a service or surgery, a claim must be sent to the plan issuer who will send out a reimbursement after confirming the invoice with you. Pet wellness plans tend to work best for owners who need help managing their pet’s routine expenditures. However, it’s important to be aware of what isn’t covered as these plans do not provide coverage for treatment for illnesses or injuries. For these kinds of services you’ll generally need an insurance plan like pet insurance

What Is Pet Health Insurance?

Did you know that pet insurance covers the cost of veterinary care? There are two main types of coverage for pet health insurance – comprehensive and accident-only. It’s similar to human health insurance in that it has a coinsurance and deductible, which helps make sure that we’re not on the hook for every penny spent on care. Premiums will vary based on factors like the type of animal, its age, and its species.

Comparing Coverage Options

In addition to pet insurance, there are other types of services that can help protect your pet’s health and future.

Depending on your pet’s unique needs, you may find it more cost-effective to purchase an individualized pet wellness plan, a single policy with an add-on animal wellness plan, or pet insurance where a pre-existing condition won’t affect coverage. On the other hand, health insurance typically covers preventative treatments that may not be covered by regular plans such as pre-existing conditions.

What Coverage Is Right for You?

When it comes time to purchase pet insurance, there are a few factors to consider. You have to decide what’s most important for the unique needs of your pet, the age and overall health of your pet, and how much your budget can handle.

Pet wellness plans are best suited for committed owners who take care of their pet’s routine health care. With pet wellness care, owners can undergo regular checkups, go through grooming sessions, clean their teeth, and other similar preventative treatments.

Pet insurance is an option that many people choose when they want peace of mind in the event something unexpected happens with their new family member or when their animal will potentially require increased medical care in the future. Consider an insurance policy with a pet wellness plan if you own a senior pet, if you have a breed that suffers from chronic health issues, or if you can afford both options.

Though it’s easy to get caught up in the idea of a pet-to-owner insurance policy, there are certain occasions when you should consider both. It’s important to consider your unique needs, the age and overall health of your pet, and your budget. (

A pet wellness plan is best suited for pet owners who are committed to their pet’s healthcare routine and would like to spread the cost of this routine care out into manageable monthly payments.

With pet wellness coverage, you can undergo routine checkups, grooming sessions, teeth cleaning, and similar preventive treatments. Pet insurance is a great option for those who want a financial safety net in the event of an unexpected injury or accident as well as individuals who expect that their pets may require increased medical care down the line. Consider adding on a pet wellness plan if you own an older breed or one with chronic health issues!


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