Based on MoneyGeek’s analysis, Lemonade is the best pet insurance company with wellness plans, earning the highest score for its balance of affordability and quality service. Other insurers worth considering are Pumpkin, AKC, Spot and Pets Best.
Best Pet Insurance With Wellness Plan
Updated: September 12, 2025
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Best Pet Insurance With Wellness Plan: Key Takeaways
Lemonade offers the best pet insurance with wellness plan in MoneyGeek’s study, receiving scores of 4.7 out of 5 for dogs and 4.5 out of 5 for cats.
Lemonade offers the cheapest premiums for dogs at $41 monthly, while Pumpkin provides the lowest rates for cats at $20 monthly.
Get the best value in pet insurance with wellness plan by comparing multiple providers, reading the fine print and looking for customer reviews.
What Are the Best Pet Insurance Companies With Wellness Plans?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | 4.73 | $487 | 3 | 6 |
| AKC | 4.35 | $705 | 3 | 1 |
| Pets Best | 4.24 | $643 | 5 | 2 |
| Pumpkin | 4.20 | $548 | 3 | 11 |
Lemonade
Best Overall
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.4/5Customer Experience
3.7/5Coverage Options
Average Monthly Rate for Dogs
$41Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Spot
Best Customer Experience
MoneyGeek Rating
4.0/ 5
3.7/5Affordability
4.6/5Customer Experience
3.1/5Coverage Options
Average Monthly Rate for Dogs
$57Average Monthly Rate for Cats
$23Trustpilot Ratings
4.7 out of 5.0Maximum Annual Limit
Unlimited
AKC
Best Pet Insurance Coverage Options
MoneyGeek Rating
4.4/ 5
3.6/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate for Dogs
$59Average Monthly Rate for Cats
$35Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
What Are the Cheapest Pet Insurance Companies With Wellness Plans?
For pet owners looking for pet insurance plans with wellness coverage, Lemonade is the cheapest option for dogs at $41 monthly, while Pumpkin is the most affordable insurer for cats at $20 monthly.
Cheapest Pet Insurance With Wellness Plan for Dogs
Lemonade is the cheapest pet insurance company with wellness plans for dogs at $41 monthly ($487 annually), followed by Pumpkin at $46 monthly ($548 annually). These rates are based on our standard 6-year-old Labrador Retriever profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Lemonade | $41 | $487 | 33% |
| Pumpkin | $46 | $548 | 24% |
| ASPCA | $48 | $580 | 20% |
| Figo | $52 | $624 | 14% |
| Pets Best | $53 | $643 | 11% |
Cheapest Pet Insurance With Wellness Plan for Cats
Pumpkin provides the most affordable pet insurance with wellness plans for cats at $20 monthly ($238 annually). Lemonade offers the second-lowest rate at $23 monthly ($271 annually). These rates reflect our standard 7-year-old Ragdoll profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Pumpkin | $20 | $238 | 37% |
| Lemonade | $23 | $271 | 28% |
| Hartville | $23 | $277 | 27% |
| Spot | $23 | $284 | 25% |
| Figo | $25 | $297 | 22% |
How to Get the Best Cheap Pet Insurance With Wellness Plan
Getting the best value in pet insurance with wellness plans doesn't have to be challenging. Follow the steps below to find quality coverage that fits your budget.
- 1
Determine your coverage needs
Consider your pet's age, breed and current health to decide what coverage levels make sense for your situation. Young pets may need more wellness services like vaccinations and spay/neuter procedures, while older pets may require fewer routine care visits. Match your wellness plan choice to the services your pet actually uses rather than paying for comprehensive coverage you won't need.
- 2
Compare multiple providers
Collect quotes from at least three pet insurance companies, comparing both base policy costs and wellness plan add-on pricing. Look at what each wellness plan covers and the annual benefit limits for services like exams, vaccinations and dental cleanings. Make sure to use the same deductible, annual limit and reimbursement rate across all quotes to get accurate cost comparisons.
- 3
Read the fine print
Review sample policies before enrolling to understand exactly what's covered and what's excluded from your pet insurance policy and wellness plan. Check for waiting periods, annual benefit caps and any restrictions on which veterinarians you can use. Pay attention to how reimbursements work and whether you need to meet your deductible before wellness benefits kick in.
- 4
Look for customer reviews
Research customer experiences with claim processing, customer service responsiveness and overall satisfaction with each company you're considering. Check multiple review sources including the company's website, independent review sites and social media for a balanced perspective. Focus on reviews that mention wellness plan experiences specifically, as these will be most relevant to your needs.
- 5
Reassess annually before renewing
Review your wellness plan usage each year to determine if you're getting good value from the coverage you're paying for. Look at how much you spent on vet visits versus your wellness plan costs to determine if you're getting good value. You might want to shop around for different providers or change your coverage level if your pet's routine care needs have shifted or you find a better deal elsewhere.
Best Pet Insurance With Wellness Plan: Bottom Line
Lemonade is MoneyGeek’s pick for the best pet insurance with wellness plan, combining solid customer service and affordable premiums. It provides the lowest rates for dogs at $41 monthly, while Pumpkin is the cheapest option for cats at $20 monthly. That said, compare multiple providers, read the fine print and look for customer reviews to find the best pet insurance with wellness plan that fits your budget.
Best Pet Insurance Wellness Plan: FAQ
We’ve compiled frequently asked questions about pet insurance with wellness plans below:
Which company offers the best pet insurance wellness plans?
MoneyGeek's study identifies Lemonade as the best pet insurance company with wellness plans, scoring 4.7 out of 5 for dogs and 4.5 out of 5 for cats.
Which company offers the cheapest pet insurance with wellness plans?
Based on our analysis, Lemonade offers the cheapest pet insurance with wellness plan for dogs at $41 monthly. Pumpkin is the most affordable option for cats at $20 monthly.
What is a pet insurance wellness plan?
A pet insurance wellness plan is an add-on coverage that helps pay for routine veterinary care. Most wellness plans have annual benefit limits for each covered service and have no waiting periods or deductibles.
What services do wellness plans typically cover?
Wellness plans typically cover routine veterinary services including annual wellness exams, vaccinations, flea and tick prevention, heartworm testing, blood tests, fecal exams, microchipping and deworming. Higher-tier plans may include dental cleanings, spay/neuter procedures and specialized preventive treatments. Coverage varies by provider and plan level.
Do wellness plans have waiting periods?
Most wellness plans have no waiting periods, meaning you can use covered services immediately after enrollment. This differs from accident and illness coverage, which typically requires waiting periods for accidents, illnesses and orthopedic conditions.
Are wellness plans worth the extra cost?
Wellness plans can be worth the cost if you use the covered services regularly. Calculate your typical annual expenses for routine care like exams, vaccinations and preventive treatments, then compare to the wellness plan's annual premium. Young pets usually benefit more due to frequent vaccinations and spay/neuter needs, while older pets may need fewer routine services, making basic plans more cost-effective.
Can I add wellness coverage to existing pet insurance?
Most pet insurance companies allow you to add wellness coverage to existing policies, typically during renewal periods or within certain timeframes after enrollment. Contact your provider to confirm availability and any restrictions.
How We Found the Best and Cheapest Pet Insurance With Wellness Plans
MoneyGeek evaluated 20 major pet insurance providers across the United States to identify the best and most affordable pet insurance with wellness plan options. Our analysis focused on three key areas: affordability, customer experience and coverage to tailor our recommendations for pet owners looking for comprehensive financial protection.
To ensure fair comparisons across all providers, we used our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles with $5,000 annual limits, 80% reimbursement rate and $500 deductibles for every quote.
How We Scored Providers
Affordability (50% of score): We collected quotes from all providers and compared premium rates against competitors within each state. Available discounts were included as a secondary factor, though these had minimal impact on rankings due to limited variation between companies.
Customer Experience (30% of score): We analyzed customer feedback from Trustpilot and Reddit to calculate satisfaction ratings.
Coverage Options (20% of score): We reviewed complete policy terms for each provider in every state, examining add-on availability, coverage inclusions, exclusions and policy restrictions.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.