Based on MoneyGeek’s analysis, Lemonade is the best overall 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: April 28, 2026
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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 pet insurance with wellness plan 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 pet insurance costs from multiple providers, reading the fine print and looking for customer reviews.
What Are the Best Pet Insurance Companies With Wellness Plans?
Lemonade
Best Overall
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.4/5Customer Experience
3.7/5Coverage Points
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 Points
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 Points
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?
The cheapest plans are with Lemonade for dogs at $41 monthly and Pumpkin for cats at $20 monthly.
Cheapest Pet Insurance With Wellness Plan for Dogs
Lemonade is the most affordable, with wellness plans for dogs costing $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 is the cheapest for cats at $20 monthly ($238 annually). Lemonade offers the second-lowest rate at $23 monthly ($271 annually). These rates are based on 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 pet insurance with wellness plans is easy if you follow the steps below:
- 1Determine your coverage needs
Consider your pet's age, breed and current health to decide how much pet insurance you need. Young pets may need vaccinations and spay/neuter procedures, while older pets may require fewer routine care visits. Choose a plan based on the services your pet uses rather than paying for comprehensive pet insurance coverage you won't need.
- 2Compare multiple providers
Compare plans using the same deductible, annual limit and reimbursement rate across all quotes. Choosing lower deductibles and higher annual limits can increase your rates. See if there are pet insurance discounts to lower your premium. You can also check if you're eligible for low-income programs.
- 3Read the fine print
Review sample policies and look for waiting periods, annual benefit caps and any restrictions on which veterinarians you can use. Pay attention to how reimbursement works.
- 4Look for customer reviews
Research customer experiences with claim processing, customer service responsiveness and overall satisfaction.
- 5Reassess annually before renewing
Before renewing pet insurance, review your wellness plan usage each year.
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.
Learn more about the top pet insurance companies to determine the best option for your pets:
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.
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.