Keeping our pets healthy with regular vaccinations is super important, but you might be wondering if pet insurance covers the cost of those shots. As a dog and horse owner in a multi-pet owner, all those annual vaccines can get pretty expensive, but since I live in a rural area, there is often the occasional rabies outbreak among local wildlife, not to mention the ever-present risk of diseases like distemper and parvo.
So, having pet insurance that covers me for routine care procedures like vaccines (and even tick and flea treatments) is a big bonus. But can you get this and is it worth it?
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Content:
- Does Pet Insurance Cover Vaccines
- Which Vaccines Are Covered by Insurance
- Which Pet Insurance Covers Vaccinations
- FAQs
- Conclusion
Does Pet Insurance Cover Vaccines
Most pet insurance plans don’t cover routine vaccines. Pet insurance usually helps with accidents and illnesses that you didn’t see coming, not regular check-ups or shots. However, some pet insurance companies offer extra plans, called wellness plans, that do cover vaccines and other routine care for an extra fee of about $10 to $20 per moth.
Annual vaccinations for dogs can cost between $75 to $100, and for cats, it’s around $65 to $90. These costs can add up, especially when it comes to multi-pet households, or those vital early shots for puppies and kittens, so knowing if your insurance covers them can be a big help.
However, the extra monthly fee for routine care coverage may not always be right for you. In that case, a better option to consider is sticking to accident funds, and like the Petcube Emergency Fund, that pays up to $3000 in emergency vet bills for up to 6 pets on one subscription. It won’t cover vaccines, but it will cover you for any unforeseen disasters. Blog readers can also get a 27% discount here.
Which Vaccines Are Covered by Insurance
If your pet insurance includes a wellness plan, it might cover these important vaccines:
- Rabies Vaccine
- Distemper Vaccine
- Parvovirus Vaccine (together with Distemper, this is the DHPP vaccine)
- Leptospirosis Vaccine
- Bordetella Vaccine
- Canine Influenza
- Lyme Disease (great for if you live in an area with a lot of ticks)
Check with your pet insurance provider to see which vaccines are covered in your plan.
Which Pet Insurance Covers Vaccinations
Not all pet insurance companies cover vaccines, but some offer wellness plans that do. Here are a few:
Healthy Paws
Covers mainly accidents and illnesses, with some options for routine care.
Embrace Offers wellness rewards that you can use for vaccinations and other routine care.
PetFirst
Has routine care options that include vaccines.
Banfield Pet Hospital
Provides wellness plans through their clinics, covering a wide range of preventive care.
Lemonade
Offers affordable wellness plans that include vaccinations and other preventive care.
ASPCA Pet Health Insurance
Provides wellness plans covering a variety of routine care, including vaccinations.
Embrace
Offers wellness rewards that you can use for vaccinations and other routine care.
Fetch by The Dodo
Offers comprehensive wellness plans that cover vaccines, check-ups, and more.
Spot
Provides flexible wellness plans that include vaccinations and other preventive health services.
Remember, unexpected emergencies, the Petcube Emergency Fund is a great option. It provides up to $3000 for emergency vet bills and gives you 24/7 access to online vets. Blog readers can get a 27% discount using this link.
FAQs
Does pet insurance cover vaccines?
Most standard pet insurance plans don’t cover vaccines, but some offer wellness plans that do.
Are rabies vaccines covered by insurance?
Rabies vaccines are usually covered under wellness plans offered by some pet insurance companies. Check your policy to see if it’s included.
Conclusion
Knowing what your pet insurance covers can help you keep your pet healthy without unexpected costs. While most standard plans don’t cover routine vaccines, many offer wellness plans that do, which can also include routine vet visits and parasite treatments, depending on the plan.