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 ranks highly for customer service in our analysis, making it a solid option for pet owners who value strong support despite higher premiums. Two-tiered wellness plans and immediate access to a 24/7 veterinary telehealth helpline provide valuable peace of mind for pet parents. Spot doesn't impose upper age limits for enrollment and policies are available statewide.

Spot ranks eighth in affordability for dogs and fourth for cats. Monthly premiums range from $6 to $287, depending on your pet's type, age and selected coverage limits. Review the table to see if Spot's rates align with your budget.

Customer experience stands as one of Spot's strongest advantages, with an impressive 4.7 out of 5.0 rating on Trustpilot. Reddit feedback proves more mixed, though, with only 45% positive sentiment based on our analysis of 29 user comments.

Two wellness plan options serve different needs: Gold (up to $250 annually in benefits) covers basic preventive care like dental cleanings and vaccinations, while Platinum (up to $450 annually) adds spay/neuter coverage and additional health screenings ideal for puppies and kittens. A standard 14-day waiting period applies to accidents, illnesses, orthopedic and cruciate ligament conditions, though wellness plan benefits are available immediately after enrollment.

AKC delivers comprehensive financial protection through its pet insurance with wellness plans, with nationwide availability across all 50 states and Washington, D.C. for maximum accessibility. Top-rated coverage and wellness benefits come at higher premiums 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. Compare AKC's average costs in the table to see whether comprehensive financial protection justifies the higher costs for your specific pet and budget.

AKC maintains solid customer service performance with 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 exceptional with 86% positive sentiment from the seven user comments we analyzed.

Wellness coverage centers on two plans: Defender includes essential 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, making routine care immediately accessible upon enrollment.