Provides coverage for accidents and illnesses and is the most common pet insurance plan. It is also the most expensive but offers the broadest range of coverage.

This plan only covers accidents, like bee stings or ingesting a foreign object. Premiums are lower because illnesses are not covered like an accident and illness plan.

Pays for routine and preventative care that usually aren't covered by other plans. A wellness plan can be added as a rider or bought as a standalone policy, depending on the carrier.