Are routine checkups covered?

Basic policies typically don't cover preventive care, but wellness riders can be added for additional cost.

When it comes to pet insurance, most basic plans are designed to cover unexpected illnesses or accidents. This means that routine and preventive care, like checkups, vaccinations, and dental cleanings, are usually not included in these standard policies. However, insurance companies do offer something called wellness riders or add-ons. These are additional coverage options that you can purchase alongside your basic plan, specifically designed to cover those preventive and routine care expenses. Keep in mind that adding these riders will increase your monthly premium, but it can be worth it if you want comprehensive coverage that includes regular vet visits and preventive healthcare.

Imagine you have a dog named Bella. You've decided to get pet insurance to help cover any unexpected vet bills. You choose a basic insurance plan that protects against accidents and severe illnesses. However, when you take Bella for her annual checkup and vaccines, you find out that the costs are not covered by your insurance. To cover these yearly expenses, you realize that you could have added a wellness rider to your policy. By paying a little extra each month, this rider would cover routine checkups and vaccinations, ensuring Bella gets her annual care without additional out-of-pocket costs.

If you're considering pet insurance, think about your pet's specific healthcare needs. If regular checkups, vaccinations, and preventive care are important to you, look into adding a wellness rider to your policy. This way, you're not caught off guard by routine expenses. Remember to compare different insurance providers and their offerings to find a plan that best suits your pet's needs and your budget. It's always a good idea to read the fine print and understand exactly what is covered under each policy option.