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Are Pet Wellness Plans Worth It For Routine Care?

Are you considering purchasing a wellness plan for your pet but want to know if it is worth it and what it covers? Our Carlsbad vets will discuss wellness plans and their benefits for pets.

What Is A Pet Wellness Plan?

Now that you have a pet, you want to take the best care of it you can. However, pet care can be very expensive, especially if your pet becomes sick or injured. A wellness plan can help with those costs.

A wellness plan costs a small amount of money each month, but it "groups" all the preventive services you need to keep your pet healthy throughout the year into a monthly payment plan. This helps you save money and manage your budget.

What Does the Plan Cover?

The main difference between pet wellness plans vs pet insurance is that the latter covers the cost of injury or illness treatments after they happen. On the other hand, pet wellness plans cover routine and preventive care procedures and screenings to avoid potential health issues.


Core vaccines must be given to every pet to ensure they will not catch infections or diseases that could harm them, your other pets, and sometimes even humans.

For dogs, core vaccines are canine parvovirus, distemper, canine hepatitis, and rabies. For cats, core vaccines are panleukopenia, feline calicivirus, feline herpesvirus type I, and rabies. These diseases are the leading causes of death in puppies and kittens, and some within days of contagion. So, vaccines are essential.

If you don’t have a pet wellness care plan, you’ll need to pay out of pocket for each vaccine. 

Blood test

Complete blood tests will inform the vet about any abnormalities in the pet’s blood that might indicate a necessary intervention. If there is an issue, your standard pet insurance policy should be able to cover it. However, the screening itself is only included in additional wellness and preventive care packages.

Heartworm Tests & Prevention

While heartworm treatment is covered by pet insurance, prevention, and tests are covered only by pet wellness insurance.

You must pay out of pocket if you don’t have such a policy. 

Fecal Tests, Deworming & Urinalysis

A Fecal test is performed once per year to determine if any gastrointestinal parasites are present. Similarly, the heartworm and tapeworm tests are performed to determine if these parasites are present. This may require several treatments over some time.

Urinalysis is a routine test that scans for chemicals in the urine. This is done because we want to detect diseases like kidney failure and urinary infections early. While pet health care plans will cover the treatment, preventive measures are typically excluded.

Flea & Tick Prevention

There are a few options for preventing ticks and fleas, but most pets are given monthly medicine to avoid them.

What Is the difference between pet insurance & a wellness plan?

Both wellness plans and pet insurance policies offer benefits, but they are very different. When it comes to your pet's veterinary care, it’s important to understand which services your pet is and isn't covered for. That way, you won't be left unexpectedly out of pocket when you visit your vet or need to plan the payment for your pet's care and treatment.

What does a wellness plan cover?

Wellness plans typically cover routine veterinary care, including microchipping, vaccinations, and dental care. These plans are designed to help you manage the cost of enhancing and maintaining your pet's overall health.

What is pet insurance?

Pet insurance covers veterinary bills for emergency care. It helps with expenses for treating illnesses like cancer or diabetes and emergency treatments.

This can be very costly, so pet insurance provides financial assistance for accidents and conditions covered by the policy.

What does pet insurance cover?

Pet insurance typically covers treatment for illnesses and emergency care needed after accidents. Some policies may also include prescription medications, treatment for hereditary and congenital conditions, and coverage for orthopedic conditions.

How do I choose which option to buy?

Some pet owners subscribe to both pet insurance and wellness plans to ensure their pets have complete protection, while others opt for just one of the options.

Understanding how each of these choices works can benefit you and your pet and can help you decide on the best option for your pet. Ask your vet for guidance if you need help deciding what is best for your pet based on their particular needs and concerns.

Note: The advice provided in this post is intended for informational purposes and does not constitute medical advice regarding pets. For an accurate diagnosis of your pet's condition, please make an appointment with your vet.

Our annual Wellness Plans will help keep your pet healthy. Choose the Wellness Plan that's right for your pet. Contact our Carlsbad vets today.

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Carlsbad Animal Hospital is accepting new patients! Our experienced veterinary team would love to get to know you and your pet. Get in touch today to book your pet's first appointment.

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