4 Best Pet Insurance Wellness Plans For Routine Care

Our Expert Take

The Embrace Wellness Rewards plan offers up to $700 annually for routine care, covering exams, vaccinations, dental cleaning, spaying/neutering, flea and tick prevention, prescription food, and even cremation or burial expenses. You pay for services upfront and get reimbursed until the allowance is used, making it a predictable way to manage preventive care costs.

Embrace also provides $500 and $300 plan options, which are more affordable but offer less overall reimbursement potential. These lower-tier plans can still reduce out-of-pocket costs but deliver fewer savings for pet owners who use a wide range of wellness services.

Pros & Cons

Pros:

• Covers a broad list of preventive services
• Flexible use across routine care categories
• Helps budget for expected yearly costs
• Available as an add-on to Embrace insurance policies

Cons:

• Works as a reimbursement allowance, not true insurance coverage
• Unused funds expire at the end of the year
• Requires upfront payment before reimbursement
• May not save money if you use fewer services than the allowance

Embrace Wellness Rewards Plan Details

Our Expert Take

Pumpkin Pet Insurance offers an accident and illness plan that averages about $125 per month with unlimited annual coverage, a $250 deductible, and 80% reimbursement. What sets it apart is the Preventive Essentials wellness add-on, which covers routine services that many pet owners expect to pay out of pocket.

Pumpkin’s wellness add-on covers 100% of key preventive care, including up to two vaccinations for dogs, four for puppies, and one for cats, plus an annual exam and parasite screening. With no low reimbursement caps, it offers more generous coverage than many competitors, reducing out-of-pocket costs for routine vet care.

Although Pumpkin’s pricing is higher than some rivals, its unlimited coverage and strong reimbursement rates attract pet owners seeking routine care. The wellness plan helps offset recurring preventive costs, making it a practical option if you’re consistent about annual vet visits.

Pros & Cons

Pros:

• Unlimited annual coverage with accident and illness policy
• Preventive Essentials add-on includes vaccines and routine exams
• Covers microchipping, which many plans exclude
• Option to combine with strong accident and illness coverage

Cons:

• Higher average monthly cost compared to some insurers
• Preventive Essentials not offered as a standalone plan
• Limited flexibility in customizing wellness benefits
• Does not cover dental cleanings under the add-on

Pumpkin Preventive Essentials Plan Details

Our Expert Take

Pets Best offers the BestWellness add-on to its accident and illness coverage, providing comprehensive protection with routine care like vaccines, parasite screenings, diagnostic tests, and up to $150 for dental cleaning. By maximizing benefits, pet owners could save around $276 annually for dogs and $379 for cats, making it a cost-effective choice.

Unlike traditional coverage that only applies to unexpected injuries or illnesses, BestWellness focuses on preventive care. This is a great option for consistent support with routine checkups and early issue detection.

For added flexibility, Pets Best also offers the EssentialWellness plan, which comes at a lower cost but provides fewer benefits. Pairing either option with unlimited annual coverage, an $250 deductible, and 80% reimbursement can give you a balance of affordability and solid protection.

Pros & Cons

Pros:

• Covers preventive care like exams, vaccines, and parasite prevention
• Can be paired with accident and illness coverage for broader protection
• Helps budget routine vet bills with set reimbursement amounts
• Optional add-on, so you only pay for it if you need it

Cons:

• Does not cover emergencies or illness without accident and illness insurance
• Reimbursement is capped per service, not unlimited
• Requires you to pay upfront and then file for reimbursement
• May not save money if your pet rarely needs preventive treatments

Pets Best BestWellness Plan Details

Our Expert Take

Lemonade’s Preventative+ Care plan includes coverage for up to three vaccinations per year, along with heartworm, blood, and parasite tests, plus up to $150 in dental cleaning. These benefits make it easier to manage annual wellness costs and can save pet owners around $196 per year for both dogs and cats.

This plan works best if you want predictable, flat-rate coverage for routine needs rather than paying out of pocket. It pairs seamlessly with Lemonade’s app-based platform, which makes filing claims fast and simple.

For those seeking a lower-cost option, Lemonade also offers a Preventative plan. While it’s more affordable, it provides less coverage and therefore offers lower potential for annual savings compared to Preventative+.

Pros & Cons

Pros

• Covers dental cleaning, flea, tick, and heartworm prevention
• Easy to manage through Lemonade’s app-based system
• Can be added to accident and illness insurance for broader protection
• Transparent pricing and clear plan options

Cons

• May cost more than paying for services on your own if your pet needs fewer treatments
• Limited customization compared to some competitors
• Availability may vary by state
• Routine care coverage does not roll over if unused

Lemonade Preventative+ Care Plan Details