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Does Pet Insurance Cover Routine Vet Visits?

Published: December 2017

A pet insurance policy with a wellness plan may help cover the costs of routine veterinary visits, such as exams and preventive care. Wellness plans, sometimes called routine or preventive care coverage, may be optional on your pet insurance policy. Typically, you pay a premium for the plan, and your insurer may help reimburse you for costs associated with routine vet visits, such as physical exams.

Veterinarian using stethoscope on bulldog puppy.


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What Do Pet Wellness Plans Cover?

A pet wellness plan is designed to help cover the costs of preventive care, according to the Insurance Information Institute (III). Wellness care plans may help cover:

  • Routine physical exams, such as annual check-ups
  • Flea and heartworm prevention
  • Vaccinations

Some plans may also include coverage for:

  • Dental care
  • Preventive surgeries, such as spaying or neutering

Read your policy carefully or check with your insurer to understand which procedures are covered by your pet's routine care plan. If your pet insurance does not cover dental care, you may be able to purchase optional coverage for cleanings or dental work.

How Much of My Vet Bills Will a Pet Wellness Plan Cover?

The percentage or dollar amount of veterinary bills that your pet insurance will help cover depends on your plan. As with most insurance coverage, pet health insurance policies typically include premiums, deductibles, co-pays and limits, according to the III. You will typically pay a premium for a pet well care plan and pay for routine veterinary care up front, says the III. Afterward, the insurer may help reimburse you for a percentage of your vet bills for preventive care.

For example, if you bring your dog, Max, in for his check-up, you'll pay Max's veterinarian for services provided that day, including the exam and shots. Once you've submitted the claim to the insurer, you will be reimbursed for covered costs.

What is Not Covered by a Pet Wellness Plan?

Your pet insurance policy may list exclusions, or things that are not covered by your plan. According to the North American Pet Health Insurance Association (NAPHIA), some common exclusions include:

  • Treatment for pre-existing medical conditions
  • Care related to pregnancy and/or birth
  • Grooming and claw/nail trimming

The III also notes that there may be restrictions for hereditary conditions, such as hip dysplasia, and that some providers may have age limits for coverage. Read your pet insurance policy or check with your insurer so you know what kinds of treatment and conditions are (and are not) covered. You'll also want to check to be sure that coverage is available for your pet, as NAPHIA notes that many insurers currently offer plans only for cats and dogs.

Are There Other Pet Insurance Options?

A traditional pet health insurance plan may offer three basic types of coverage, including coverage for pet wellness. According to the III, the other two common pet health coverage options are:

  • Basic coverage, which may help pay for veterinary care after accidental injuries, poisoning and illnesses.
  • Comprehensive coverage, which may help cover vet costs from accidental injuries, emergencies and illnesses and may also help cover vet visits, prescriptions, tests, lab fees and X-rays.

If you're interested in exploring pet insurance coverage options, an insurance agent can help you choose the plan that fits your needs.

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This content is for informational purposes only and may not be applicable to all situations.

Pet insurance policies are underwritten by American Modern and offered under an Expanded Market Program. American Modern is not affiliated with Allstate.

The Expanded Market Program provides access to products underwritten by non-Allstate companies. Allstate does not operate or control any company that provides policies through this program. In this program, Allstate does not have any financial responsibility to you for any policy purchased, is not responsible for any claims you may make with such companies, and makes no representations nor accepts any liability related to the operations of such companies, including, but not limited to, their financial condition and claims handling.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.
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