Health Coverage Designed Around the DVM Life
Long surgical days, on-call weekends, six-figure student debt, and the emotional weight of euthanasia conversations — being a veterinarian is one of the most demanding careers in healthcare, and one of the most overlooked when it comes to your own coverage. Paw & Plan Health works exclusively with veterinary professionals to match you with health plans that cover the specialists you actually need: orthopedists for back and wrist injuries, therapists who understand compassion fatigue, and primary care that respects the hours you actually keep.
Plans Built for the Way Vets Actually Work
Associate DVMs at private and corporate practices
If your employer offers group coverage, we'll audit it against the marketplace to see whether you (and your spouse) would be better off on an ACA plan with subsidies. We've seen associate DVMs save $3,400+/year by opting out of weak employer plans.
Relief and locum veterinarians
1099 income, multiple states, no employer plan. We build a portable plan that follows you across clinics and quote a Health Savings Account so your premiums pre-tax themselves.
Practice owners and partners
Personal coverage plus a small-group plan for your team — see the Clinic Owners page for the group side.
Coverage Vets Ask About Most
- Mental health and therapy parity — including telehealth — for compassion fatigue and burnout
- Orthopedic and physical therapy networks for back, neck, wrist, and shoulder injuries
- Specialist access without referrals (PPO networks)
- Maternity coverage that doesn't punish you for being a 50-hour-a-week clinician
- Prescription tier audit so your SSRI, migraine, or thyroid med stays affordable
What Vets Typically Pay
Subsidy eligibility surprises a lot of associate DVMs — student-loan deductions can pull your MAGI below the cap.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.