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Wellness Plans for Cats


While cats may exude independence, they require routine wellness checkups, akin to humans. Depending on age and health, vets may recommend annual or biannual checkups, with even more frequent visits for preventive care in kittens.

Caring for your feline’s health can be costly, averaging $500-$2000 annually for recommended wellness care, covering physicals, dental cleanings, bloodwork, fecal exams, urinalysis, and more. To manage these costs, consider a cat wellness plan.

Understanding Cat Wellness Plans:

Cat wellness plans, in some ways, resemble health insurance for humans. For a monthly fee, the plan covers your cat’s wellness visits throughout the year, including examinations, vaccinations, fecal testing, and more. Unlike human insurance, pet insurance typically excludes preventive care, but wellness plans bridge this gap. They can be standalone or add-ons to traditional insurance.

Coverage of Cat Wellness Plans:

These plans cover essential preventive health aspects:

  1. Examinations: Yearly or biannual exams are crucial for assessing your cat’s overall health, checking ears, eyes, coat, mouth, heart, and more.
  2. Routine Vaccinations: Protect your cat from diseases like FeLV, rabies, or panleukopenia.
  3. Fecal Testing: Detect internal parasites by providing a stool sample.
  4. Parasite Prevention: Cover preventive medications for heartworms, fleas, ticks, and intestinal parasites.

Additional coverage might include yearly bloodwork to identify diseases early, dental care, spay/neuter reimbursements, and perks like consultations with veterinarians.

How Cat Wellness Plans Operate:

The process involves taking your cat for a wellness visit, paying upfront (or having the insurance pay the vet directly), and later submitting a claim for reimbursement. Plans often have yearly claim limits and may cover a percentage of costs. For instance, you pay $260 for a visit, and with a higher-tier plan, you might be reimbursed $210.

Cost of Cat Wellness Plans:

Monthly fees range from $10-$30, with options for a lump-sum yearly payment. Costs vary based on the chosen plan, additional features, and location. An enrollment or startup fee is common for the first year.

Should You Get a Wellness Plan for Your Cat?

A wellness plan offers peace of mind and spreads preventive care costs. Plans cater to different life stages, from kittens to seniors. Kittens may need spaying/neutering, vaccines, and parasite prevention. Adults require boosters, bloodwork, and fecal tests. Seniors, in addition, need more extensive tests.

Signing Up for a Cat Wellness Plan:

Select a plan fitting your cat’s age and health. Consult your vet for guidance on preventive care. Fill out a questionnaire detailing your cat’s health for a customized plan. Choose between basic, intermediate, and advanced plans based on your cat’s needs.

For instance, Beth adopts a 4-year-old cat, Bits, and opts for an accident-only insurance plan ($12/month) with a wellness plan ($17/month) covering exams, vaccines, dental cleaning, and more, totaling $29 per month.

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