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What is the difference between pet insurance and a pet wellness plan?

What is the difference between pet insurance and a pet wellness plan?

Wellness plans and pet insurance are both designed to help make your pet’s healthcare more affordable. That said, there are distinct benefits to both of these options and it's important to understand the differences between them. Today, our Bakersfield vets explain more about wellness plans and pet insurance.

Protecting Your Pet's Future

Wellness plans and pet insurance policies both offer benefits, but they are very different from each other. That's why it’s so important to understand what types of services your pet is and isn't covered for whether you opt for a wellness plan or pet insurance.

By taking the time to understand these options you won't be left out of pocket when you visit your vet or need to plan the payment for your pet's veterinary care. 

What is a wellness plan?

Wellness plans make it easier for you to cover the cost of annual routine veterinary care and, unlike pet insurance, you only pay for the treatments and services you use throughout the year.

Wellness plans allow you to take a more proactive approach to your four-legged friend's veterinary care by paying a small monthly amount rather than a lump sum each visit. These plans help to provide your vet with an opportunity to spot the earliest signs of health problems before they become more serious, and more expensive to treat.

What does a wellness plan cover?

Generally, wellness plans cover your pet's annual routine preventive care including wellness exams, parasite preventives and testing, and vaccines. Improving and maintaining the standard of your pet’s overall health over the course of their lifetime is easier because these plans spread out the cost of routine vet care.

What is pet insurance?

If your dog or cat requires emergency veterinary care, pet insurance helps you to take care of the cost of treatment.

Fact is that, emergency treatment or treating a serious 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 for illnesses or emergency treatment required after accidents. In many cases pet insurance policies also include prescription medications and the treatment of hereditary and congenital conditions as well as orthopedic conditions. Be sure to understand the coverage you sign up for so that you know exactly what costs are covered by your pet insurance policy.

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 health care 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 unique needs and concerns.

Our annual Wellness Plans help keep pets healthy. Choose the Wellness Plan that's right for your pet.

New Patients Welcome

Stine Veterinary Hospital is accepting new patients! Our experienced vet is passionate about improving the health of Bakersfield companion animals. Get in touch today to book your pet's first appointment.

Contact Us

(661) 398-7121