Best Pet Insurance With Wellness Plan

Lemonade earns the top spot in our analysis of pet insurance companies with wellness plans by combining affordable premiums with solid customer experience. Three wellness plans provide immediate coverage for preventive care with no waiting period. Availability is limited to 41 states and Washington, D.C., and age restrictions prevent enrollment of older pets, depending on breed.

Lemonade ranks first in affordability for cats and second for dogs among pet insurance providers with wellness plans in our study. You'll pay an average of $9 to $100 based on your pet's type, age and coverage levels. Use the filterable table to explore Lemonade's pricing based on your specific coverage preferences.

Customer experience ranks Lemonade third overall, with a 4.2 out of 5.0 rating on Trustpilot and 72% positive sentiment on Reddit based on the 32 comments we studied.

Three wellness plans cover different needs: Preventative Care package, Preventative+ Care package and Preventative Care Package for Puppies and Kittens. Plans cover your pet's routine health needs, from annual exams and vaccinations to parasite tests and routine teeth cleaning. Optional add-ons include dental illness, behavioral therapy, physical therapy and end-of-life care.

Spot earns high marks for customer service in MoneyGeek's analysis, which makes it a good fit for pet owners who prioritize support and don't mind paying higher premiums. It offers two wellness plan tiers and includes 24/7 veterinary telehealth access at no extra cost. Spot also has no upper age limit for enrollment and sells policies in all 50 states.

Spot ranks eighth in affordability for dogs and fourth for cats. You pay from $6 to $287, depending on your pet's type, age and selected coverage limits.

Customer experience is Spot's strongest advantage, with an impressive 4.7 out of 5.0 rating on Trustpilot. Reddit feedback proves more mixed, though, with only 45% positive sentiment from 29 user comments.

Spot offers two wellness plan tiers. The Gold plan covers up to $250 per year in preventive care, including dental cleanings and vaccinations. The Platinum plan covers up to $450 per year and spay/neuter coverage and additional health screenings, which makes it a better fit for puppies and kittens.

A standard 14-day waiting period applies to accidents, illnesses, orthopedic conditions and cruciate ligament conditions. Wellness plan benefits start immediately after enrollment.

AKC offers wellness plans, with nationwide availability across all 50 states and Washington, D.C., for maximum accessibility. But top-rated coverage and wellness benefits cost more compared to competitors, though.

You'll pay monthly premiums ranging from $14 to $235 with AKC, with significant variation based on your pet's type, age and chosen coverage limits.

AKC has a third-place ranking in our evaluation, similar to Lemonade. Its 3.2 out of 5.0 Trustpilot rating reflects moderate satisfaction levels, but Reddit performance is good with 86% positive.

Wellness offers two plans: Defender offers preventive care, including wellness exams, vaccinations, flea/tick prevention and diagnostic testing, while DefenderPlus expands coverage to include spay/neuter procedures, dental cleanings and preventive gastropexy benefits. Neither wellness plan has waiting periods or deductibles.