Routine Care Comparison

Routine care plans are not offered by all pet insurance companies. Here we help explain the differences among some of those that do.

If there's one thing every new pet parent quickly learns, it's that the cost of routine care for your dog or cat can easily add up to hundreds of dollars per year. Here's a break down of typical routine care costs:

  • Puppy: $700 in the first year
  • Kitten: $450 in the first year
  • Adult dog: $350/year
  • Adult cat: $250/year
  • Puppy and kitten estimations include costs for spaying/neutering, wellness exams, and vet-recommended preventatives & vaccinations. Adult pet estimations remove the costs for spaying/neutering.

So naturally, we find many pet parents are looking for help managing these costs. Below you'll find a comparison of routine care plans from Embrace, Nationwide, Pets Best, and ASPCA Pet Health Insurance. Trupanion, Pet Plan, and Healthy Paws do not offer help with routine care.


Company/Product Reimbursement Limits Cost
  Embrace
Wellness Rewards
Flexible $250, $450, or $650 per year $18, $32.50, or $46.95 per month  
  Nationwide
Pet Wellness Plus
Fixed/Preset per item $17-22/month  
  Pets Best
BestWellness
Fixed/Preset per item $26/month  
  ASPCA Pet
Health Insurance
Prime Preventative Care
Fixed/Preset per item $24.95/month  
Source: Information obtained from each company's website April of 2017

Why Flexible Reimbursement is Better Than Fixed

With Embrace, there are no preset limits on how much of your routine care allowance you can spend toward any particular item. This is the key difference between plans. When you have fixed maximums per item (e.g. $50 to spend on preventative medications) it makes it more difficult to get any value. In essence, you end up either paying for items you don't need each year or getting too little back on the items you do need.

This comparison of routine care plans was wholly prepared by EPI Agency LLC. If you have questions about VPI/Nationwide, ASPCA pet health insurance, or Pets Best plans, prices, or coverage please contact a representative of the respective company.