What is the difference between pet insurance and wellness plan?

Posted Dec 19th, 2019

Wellness plans and pet insurance can help to make your pet's veterinary care more affordable, but it's important to note that they cover very different aspects of your pet's healthcare. Here, our Waxhaw vet explains the differences and the benefits of each.


Protecting Your Pet's Future

When it comes to your pet's veterinary care, understanding which services your pet is and isn't covered for is crucial.

Understanding your pet's coverage helps you to ensure that you aren’t left out of pocket when you visit your vet or need to plan the payment for your pet's care or treatment. 

There are many benefits to both wellness plans and pet insurance policies, but each of these options covers different care for your pet.

Here's more from our Waxhaw vet on the differences and benefits of wellness plans and pet insurance. 

Pet Wellness Plans

What is a wellness plan?

If you're concerned about budgeting for your pet's routine veterinary care Wellness Plans can help. Unlike pet insurance, when you sign up for a wellness plan you only pay for the treatments and services you use. Wellness plans offer pet owners a proactive approach to paying for routine veterinary care by allowing pet owners to pay a small amount monthly. Wellness plans encourage routine health checks for pets and help vets to spot early signs of conditions or diseases, before they become more serious, and potentially expensive. 

What does a wellness plan cover?

Typically, wellness plans will cover routine care such as microchipping, vaccinations and non-emergency dental care. Wellness plans help pet owners to spread the cost of maintaining their pet's optimal health throughout the year.  

What is pet insurance?

Pet insurance helps to take care of any bills incurred if your pet requires emergency veterinary care. 

Veterinary bills to cover emergency treatment or treatment for longterm illness like cancer or diabetes can add up quickly. Pet insurance gives pet owners financial help to pay for treatments for conditions and accidents that are covered by their specific policy. 

What does pet insurance cover?

Pet insurance policies typically cover emergency treatment required following an accident, or treatment for illnesses. Pet insurance may also cover the treatment of hereditary and congenital conditions, orthopedic conditions, and prescription medications required.

How do I choose which option to buy?

Every pet owner is different, only you can decide what will work best for you. Some pet owners choose to subscribe to both a wellness plan and pet insurance in order to ensure their pet has complete healthcare protection. Others decide that they only require one type of coverage for their pet and opt for either a wellness plan or pet insurance. 

If you are unsure about what will work best for you and your pet, speak to your vet. They can help you decide what coverage is right for your pet based on their unique needs. 

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

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Providence South Animal Hospital provides comprehensive veterinary care for your cherished pets in Waxhaw.

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704-843-0208