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Key takeaways
- Pet care comes with different kinds of costs.
- Wishbone offers three plans to support those costs.
- Each plan serves a different purpose.
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Caring for a pet is one of life’s most rewarding responsibilities, and one that comes with plenty to navigate. Between vet visits, everyday expenses, and the unexpected health issue, you’re constantly making decisions about what your pet needs and how to provide it.
That’s where Wishbone pet benefits come in. Just as workplace benefits help support different aspects of your own well-being, Wishbone gives pet parents more ways to manage the costs of pet care, from everyday savings and unexpected vet bills to routine preventive care.
Here’s a closer look at what Wishbone offers, what makes each plan different, and how to choose the best option for you and your pet.
Pet parenthood comes with more than one kind of cost
Pet care isn’t made up of one predictable expense. Some costs happen regularly, like annual checkups and food. Others show up when something unexpected happens, like an injury or illness.
Both the expected and unexpected costs can add up faster than most budgets account for. According to the American Veterinary Medical Association, pet owners reported spending about $1,700 a year on their pets in 2025, which is roughly $200 more than in each of the prior two years. That number looks different from pet to pet, with some households surpassing it.
A puppy may need different care than a senior cat, while a pet with a chronic condition may have an entirely different and longer set of needs. Even the same pet requires different kinds of care throughout their life, and every pet parent is working with a different budget.
Three types of Wishbone pet benefits
Wishbone pet benefits are built around the reality that pet care looks different from day to day, and from pet to pet. Rather than a one-size-fits-all solution, Wishbone offers three plans to address the different costs of pet parenthood: the everyday, the unexpected, and the routine.
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Coverage details
- Wishbone Total Pet :: Discounts to help lower everyday costs like vet care, prescriptions, and other essentials.
- Wishbone Insurance :: Coverage for unexpected veterinary costs when accidents or illnesses arise.
- Wishbone Wellness :: Support for the routine and preventative care that keep your pet healthy all year long.
Wishbone Total Pet: A pet discount plan for everyday savings
Eligible pets: All pets, including exotics and pets with pre-existing conditions
Plan options: Single-pet or family plan
Not every pet care cost is an emergency. More often, it’s the everyday stuff: vet visits, prescription refills, food, and other essentials. It’s also the moments that don’t have a price tag yet, like a late-night worry that could turn into a costly visit the next morning.
Wishbone Total Pet is a pet discount plan that helps pet parents save on these everyday costs while providing additional care support. Whether it’s instant discounts to keep more money in your pocket or 24/7 access to a virtual vet, Total Pet helps you spend less and stress less.
Think of it as the membership for making pet parenthood easier, there when and wherever you need it.
What’s included with Wishbone Total Pet:
- 25% off medical services at in-network vets
- Below-wholesale pricing on pet prescriptions
- 24/7 access to virtual vet support
- Member-only discounts at select pet retailers
- Lost pet recovery service and scannable ID tag
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Pet parent tip
Have more than one pet? One family plan can give your whole crew access to Total Pet’s savings and support.
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Wishbone Insurance: A pet insurance plan for the unexpected
Eligible pets: Dogs and cats
Plan option: Personalized rate based on your pet’s age, breed, and location
Every pet parent knows that pets can be unpredictable. A normal day can become a trip to the vet because of a broken bone, an infection, or something they managed to swallow. Wishbone Insurance is designed for those unexpected turns, providing coverage for accidents and illnesses.
Wishbone Insurance covers a wide range of eligible veterinary services, including hospitalization, diagnostics, surgery, medications, and other treatments. Whatever the situation calls for, a pet insurance plan ensures you're not navigating it alone, and can make decisions based on what your pet needs, not what you can afford.
Examples of unexpected moments:
- Broken bones and injuries
- Cuts or wounds
- Foreign object ingestion
- Allergies and infections
- Cancer diagnosis
The Wishbone network advantage
Your vet is an important part of your pet’s care, and Insurance gives you the freedom to choose any licensed vet. The Wishbone network adds another layer of value, connecting you with participating vets for additional savings:
- 25% off eligible medical services, applied at the time of your visit
- An extra 10% back on top of your standard reimbursement rate
The network option is just one more way Wishbone helps support the care your pet needs when it matters most.
Wishbone Wellness: A pet wellness plan for routine care
Eligible pets: All pets, including exotics and pets with pre-existing conditions
Plan options: Essential or premium plan
The most important vet care happens when your pet is healthy, and the goal is to keep them that way. Routine exams, vaccines, dental care and preventive treatments all help monitor your pet’s health throughout the year and catch potential concerns before they become bigger problems.
Wishbone Wellness helps make that care more predictable by reimbursing routine and preventative expenses. Instead of waiting until something feels off, you can plan for these visits knowing the support is there.
Services reimbursed by Wishbone Wellness:
- Annual wellness exams
- Vaccinations and titers
- Routine bloodwork
- Fecal tests and urinalysis
- Preventatives
- Dental cleanings
None of these visits may feel urgent on their own, but together, they’re the foundation of your pet’s long-term health. For pet parents already making routine care a priority, a pet wellness plan makes it easier to keep up with.
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Choosing the right Wishbone plan for your pet
The right Wishbone plan depends not only on pet eligibility, but also on what matters most to you as a pet parent. For some, it's spending less on everyday costs. For others, it's making routine wellness visits more manageable, or having a safety net for the moments you can't predict.
Ready to see what’s available to you? Visit our Get Started page to see if your employer offers Wishbone pet benefits and explore the plans available to you. From there, you can choose the support that makes the most sense for you and your pet, whether that’s one plan or a combination.
Pet parenthood comes with plenty to navigate. With options for everyday savings, unexpected accidents and illnesses, and routine care, Wishbone pet benefits can make managing the costs of care one less thing to worry about.
Wishbone pet benefits FAQ
What’s the difference between Wishbone Total Pet, Wishbone Insurance, and Wishbone Wellness?
Each Wishbone plan supports a different type of pet care cost. Wishbone Total Pet offers discounts on everyday pet care, Wishbone Insurance provides coverage for eligible accidents and illnesses, and Wishbone Wellness reimburses eligible routine and preventive care expenses.
Can I enroll in more than one Wishbone plan?
It depends on what your employer offers. If multiple Wishbone plans are available to you, you can choose more than one to support different pet care needs.
Can I use Wishbone for more than one pet?
Yes, Wishbone Total Pet's family plan covers two or more pets. Wishbone Insurance and Wishbone Wellness are enrolled separately for each pet.
Does Wishbone cover exotics or pets with pre-existing conditions?
Wishbone Total Pet and Wishbone Wellness are available for all pets, including exotics and pets with pre-existing conditions. Wishbone Insurance is available for dogs and cats, with coverage subject to plan terms and conditions.
How do I enroll in Wishbone pet benefits?
Visit our Get Started page to see if your employer offers Wishbone pet benefits and explore the plans available to you.
Sources: AVMA
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