My pet insurance policy mentions routine care and wellness. What does that mean?

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Routine care and wellness refers to all vet care and procedures to prevent illness and keep your pet healthy. This usually includes: spaying and neutering, annual checkups, vaccinations, flea & tick control, heartworm medication, teeth cleaning, ear cleaning, and microchipping. These are almost always excluded from pet insurance coverage. We think that's a fair exclusion. Why do we think that? These are the types of costs you should expect as a responsible pet owner. They're predictable (meaning you can budget for them) and are usually not outrageously expensive. Many pet insurance companies offer am optional policy add-on to cover a portion of these costs (usually called a wellness policy rider). However, we think your money is better spent on getting a more robust policy for unpredictable illnesses and injuries (over a wellness option, we'd choose instead: a higher reimbursement rate, a lower deductible or a higher payout limit).