Does pet insurance cover preventive care?

Does pet insurance cover preventive care?

In the case of at least two major pet health insurance carriers, the answer is “yup.” Here are details for your veterinary team when you pitch wellness—and when clients ask if they’re covered.
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May 12, 2017
By dvm360.com staff

Photo: Shutterstock.comEditor’s note: Not sold on these pet insurance examples? There’s more here!

Pet insurance companies offer preventive care coverage, but what exactly does that entail? Your veterinary clients may be just as clueless. To help, we tracked down some of the top pet insurance companies and grabbed the details of their preventive care perks. While companies like Petplan and Trupanion don’t offer preventive care coverage yet, companies like Nationwide and ASPCA Pet Health certainly do. Here are the basics of their plans:  

Nationwide pet insurance

Nationwide is the only pet insurer in the United States that offers injury, illness and wellness/preventive care in a single plan: Whole Pet with Wellness. With this plan, all preventive and wellness care (spay/neuter, vaccinations, dental cleanings, flea-tick control, heartworm medication, etc.) is covered, and members are reimbursed 90 percent of eligible veterinary expenses (more here).

Nationwide also offers standalone wellness plans (Wellness Plus and Wellness Basic, respectively) for those who don’t want the full wellness package. These two cover:

> Physical exams

> Behavioral exams and treatments

> Vaccination or titer

> Heartworm or FeLV/FIV test

> Fecal test

> Deworming

> Nail trim

> Microchip

> Flea control or heartworm prevention

> One additional test per policy term (health screen/blood work, radiograph or ECG)

ASPCA Pet Health Insurance

With ASPCA Pet Health Insurance, there are three add-on preventive-care options for pet owners to choose from available with the Complete Coverage plan (more here). Here’s what each additional option covers:

• Basic

> Dental cleaning or spay/neuter

> Wellness exam

> Deworming

> DHLPP/FVRCP vaccination

> Rabies, Lyme or FIP vaccination

> Fecal test

> Heartworm/FeLV test

• Standard

> Everything from Basic, plus a health certificate

• Prime

> Everything from Standard, plus flea/heartworm prevention, a Bordetella/FeLV test, blood work and a urinalysis