Direct answer
Standard accident and illness policies typically do not cover routine wellness exams or vaccinations, though some providers offer optional ‘wellness riders’ for an additional monthly fee. Whether this is worth it depends on whether the cumulative cost of the rider is less than the out-of-pocket costs of your vet’s preventative care packages.
Standardized policy summary documents detailing covered perils versus elective wellness add-ons across major industry providers. For additional information about how wellness plans differ from accident and illness coverage, see the North American Pet Health Insurance Association‘s industry resources.
What this means for you
Standard accident and illness policies typically do not cover routine wellness exams or vaccinations, though some providers offer optional ‘wellness riders’ for an additional monthly fee. Whether this is worth it depends on whether the cumulative cost of the rider is less than the out-of-pocket costs of your vet’s preventative care packages.
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