Every Wishbone plan covers a different area of pet care, giving you the flexibility to choose what fits or combine plans for more support.
EVERYDAY SAVINGS
for cats, dogs, & exotics
Lowers the cost of everyday pet care with instant discounts
25% off in-network vet visits
Discounts on Rx & pet goods
Unlimited 24/7 virtual vet care
No claims, waiting periods, or deductibles
Pre-existing health conditions
EMERGENCY COVERAGE
for cats & dogs
Protects against unexpected vet bills when it matters most
Covers accidents, illness, surgery, prescriptions, & more
25% off in-network vet visits
Extra 10% reimbursement in-network
Unlimited 24/7 virtual vet care
Pre-existing health conditions
ROUTINE CARE
for cats, dogs, & exotics
Makes year-round routine care more affordable and predictable
Up to $575 reimbursed per year
Fast claims & no deductibles
Covers routine wellness exams, vaccines, bloodwork, dental cleaning & more
Pre-existing health conditions
Find the right fit for you and your pet
Every pet parenting journey isone ofakind. See which plans fit best based onyour pet’s age, health, and the care they need most.
Plan type
Pet discount membership
Accident & illness insurance
Wellness care reimbursement
Best for
All pets whose parents want savings across the everyday costs of pet ownership
Young or healthy pets whose parents want protection before conditions develop
All pets whose parents want routine care costs to be more predictable year-round
Eligible pets
Dogs, cats & exotics
Dogs & cats
Dogs, cats & exotics
Pre-existing conditions
Covered
Not covered
Covered
Deductible
None
$250
None
Waiting period
None, plan is active upon enrollment
Accident: 1 day Illnesses: 14 days Orthopedic: 180 days
Varies by state
None, plan is active upon enrollment
Vet access
In-network licensed vets
Any licensed vet in the U.S., its territories & Canada
Any licensed vet in the U.S. and its territories
Emergency care
25% off in-network discount (eligible medical services)
25% off in-network discount + up to 80% reimbursement
Not covered
Routine & preventative care
25% off in-network discount (eligible medical services)
Not covered
Up to $575/year reimbursement
Prescriptions
Member discounts
Up to 80% reimbursement (take-home medications)
Not covered / Not included
Retail pet essentials
Member discounts
Not covered / Not included
Not covered / Not included
Virtual vet care
Included
Included
Not included
Lost pet recovery
Included
Included
Included
Plan type
Pet discount membership
Accident & illness insurance
Wellness care reimbursement
Best for
All pets whose parents want savings across the everyday costs of pet ownership
Young or healthy pets whose parents want protection before conditions develop
All pets whose parents want routine care costs to be more predictable year-round
Eligible pets
Dogs, cats & exotics
Dogs & cats
Dogs, cats & exotics
Pre-existing conditions
Covered
Not covered
Covered
Deductible
None
$250
None
Waiting period
None, plan is active upon enrollment
Accident: 1 day
Illnesses: 14 days
Orthopedic: 180 days
Varies by state
None, plan is active upon enrollment
Vet access
In-network licensed vets
Any licensed vet in the U.S., its territories & Canada
Any licensed vet in the U.S. and its territories
Emergency care
25% off in-network discount (eligible medical services)
25% off in-network discount + up to 80% reimbursement
Not covered
Routine & preventative care
25% off in-network discount (eligible medical services)
Not covered
Up to $575/year reimbursem-ent
Prescriptions
Member discounts
Up to 80% reimbursem-ent(take-home medications)
Not covered / Not included
Retail pet essentials
Member discounts
Not covered / Not included
Not covered / Not included
Virtual vet care
Included
Included
Not included
Lost pet recovery
Included
Included
Included
PET PARENTING TIP
Wishbone Total Pet's in-network discounts stack with Insurance and Wellness reimbursements for savings before and after vet visits. Find out which plans your employer offers to start saving.