What the plan covers
Accidents, illnesses, genetic and congenital conditions, cancer, surgery, diagnostics, prescription medication, exam fees, dental illness and behavioral therapy. Routine care sits in the separate Wellness Rewards allowance.
How Wellness Rewards works
You choose an annual allowance and draw it down against vaccinations, dental cleanings, grooming, training and preventives. It is a spending account rather than an insurance benefit, so unused funds do not carry forward — size it to what you actually spend.
Pricing and value
Quotes commonly start near $20 per month for a young pet. Add the wellness allowance and the monthly figure rises, but for owners who reliably spend on preventive care it usually nets out favorably.
Who should skip it
If you are enrolling an older pet for the first time, check the age eligibility rules early — Trupanion and Nationwide may be more accommodating.