Best Dog Insurance With Wellness Coverage

If you want one plan that handles both routine checkups and unexpected emergencies, look for accident-and-illness insurance with an optional wellness rider, rather than a clinic-only plan like Banfield's Optimum Wellness Plan.

What to Look For

• Usable at any licensed vet — not locked to one clinic chain
• Optional wellness add-on covering vaccines, exams, and dental cleaning
• Reasonable reimbursement rate (typically 70–90%) on the accident/illness side
• No mandatory wellness bundling — you should be able to skip it if you don't need it

How This Differs From Banfield-Style Plans

Unlike Banfield's OWP, providers such as Embrace, Pets Best, and Spot let you add a wellness rider on top of true accident-and-illness coverage — so both routine and emergency costs are handled by one policy, usable at any vet. See Forbes Advisor's comparison and our own Banfield vs pet insurance breakdown for more detail.

Before You Buy

Compare quotes based on your dog's breed, age, and location — costs vary significantly. Read the fine print on waiting periods and pre-existing condition exclusions before switching or enrolling.

Once you're set up, keep your dog's routine care organized with our free Dog Sitter Sheet and Pet Care Plan guide.