Best Pet Insurance With a Wellness Plan
Only the insurers that fit "pet insurance with wellness plan", quoted for the same pets and read policy by policy.
Embrace (Accident & illness + optional wellness) - Covers exam fees and dental illness, shrinks your deductible $50 for every claim-free year, and will re-cover a curable condition after twelve clear months Tested Aug 2026 by Team RankingRight
- Exam fees, dental illness, behavioural therapy and prescription food all included
- Healthy Pet Deductible drops your deductible $50 each claim-free year
- Orthopaedic wait waived after an exam and a short questionnaire
ASPCA Pet Health Insurance (Complete Coverage) - Covers exam fees, dental illness, behavioural treatment and microchipping, insures horses too, and re-covers curable conditions after a clear year Tested Aug 2026 by Team RankingRight
- Exam fees, dental disease, behavioural therapy and microchipping in the base policy
- No upper age limit; horses insurable too
- Single 14-day waiting period with no long orthopaedic exclusion
Pets Best (Accident & illness, three tiers) - Three coverage tiers, an unlimited option, a three-day accident wait and direct deposit — the flexible middle of the market Tested Aug 2026 by Team RankingRight
- No upper age limit — one of the few that will still enrol a senior pet
- Three-day accident waiting period, the shortest here
- Unlimited annual payout available on the Elite tier
Figo (Accident & illness, 100% option) - The only insurer here offering 100% reimbursement, with a one-day accident wait and a pet cloud app that holds records and vet chat Tested Aug 2026 by Team RankingRight
- 100% reimbursement is available — no other insurer in the test offers it
- One-day accident waiting period
- Pet Cloud app stores records, finds vets and includes 24/7 vet chat
Lemonade Pet (Accident & illness + add-ons) - The cheapest quotes in our test, an app that settles simple claims in minutes, and bundling discounts with renters or car insurance Tested Aug 2026 by Team RankingRight
- Cheapest monthly premium on three of our four test pets
- Simple claims paid in minutes through the app
- Bundle discount with Lemonade renters, home or car insurance
Nationwide Pet Insurance (Whole Pet with Wellness / Avian & Exotic) - The only major US insurer that covers birds, reptiles and small mammals — and one of the few whose top plan includes wellness in the same policy Tested Aug 2026 by Team RankingRight
- Covers birds, rabbits, reptiles, ferrets and other exotics — almost nobody else does
- Whole Pet with Wellness rolls routine care into one policy
- Backed by one of the largest US insurers
What separates the picks on this page?
Six insurers made the cut, and the spread between them is wider than the scores suggest. Embrace sits at 8.7 with a $47 quote, and its Healthy Pet Deductible drops $50 for every claim-free year. ASPCA Pet Health Insurance and Pets Best both score 8.3, but they get there differently: ASPCA at $45 includes exam fees, dental disease, behavioural therapy and microchipping in the base policy, while Pets Best at $38 offers three coverage tiers and an unlimited annual payout on the Elite tier.
Figo and Lemonade Pet tie at 8.1. Figo is the only insurer here offering 100% reimbursement, with a one-day accident wait. Lemonade Pet posts the cheapest quotes in the test at $32, but exam fees, dental and behavioural cover are paid add-ons that erase the price advantage. Nationwide Pet Insurance lands at 7.6 and $62, the priciest dog and cat quotes after Trupanion, yet it covers birds, rabbits, reptiles and ferrets, and its Whole Pet with Wellness plan rolls routine care into one policy.
What should you check before buying?
Coverage carries the most weight in our scoring at 30 points, so read what sits inside the base policy. Embrace includes exam fees, dental illness, behavioural therapy and prescription food. ASPCA includes microchipping and has no upper age limit. Pets Best and Figo push exam fees and dental into higher tiers or paid add-ons.
Limits and exclusions matter next at 20 points. Embrace caps annual limits from $5,000 to $30,000 rather than unlimited. ASPCA tops out at $10,000. Pets Best offers unlimited on the Elite tier. Watch waiting periods too: Pets Best has a three-day accident wait, Figo one day, and ASPCA a single 14-day wait with no long orthopaedic exclusion. Figo, Pets Best and Lemonade Pet each carry a six-month cruciate or orthopaedic wait.
Price is 20 points, and the quotes run from $32 to $62. Claims and payout is another 20: Lemonade pays simple claims in minutes through the app, and Pets Best offers direct deposit. Wellness and extras is 10 points, where Nationwide's bundled wellness plan stands out.
Which one for whom?
- Embrace — for owners who want exam fees, dental illness and prescription food covered and will trade an annual limit for a shrinking deductible.
- ASPCA Pet Health Insurance — for older pets or horses, since there is no upper age limit and horses are insurable.
- Pets Best — for senior pets and shoppers who want tier choice, a three-day accident wait and an unlimited option.
- Figo — for anyone who wants 100% reimbursement and a one-day accident wait.
- Lemonade Pet — for the lowest monthly premium and app-based claims, if you can live without add-ons.
- Nationwide Pet Insurance — for birds, rabbits, reptiles and ferrets, or if you want wellness folded into the same policy.
Embrace suits owners who want exam fees, dental illness and prescription food in the base policy. ASPCA Pet Health Insurance fits older pets and horses, while Pets Best works for seniors and anyone wanting tier choice. Figo is for 100% reimbursement, Lemonade Pet for the lowest premium, and Nationwide Pet Insurance for exotics or a bundled wellness plan.
Questions about best pet insurance with a wellness plan
*Scores: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10; score = Σ ÷ 10. Prices shown were checked on the date beside each and may change. Affiliate links are added only after a score is locked and can never change it. How we rank.