Does Pet Insurance Cover Vaccinations? All You Need To Know

Does Pet Insurance Cover Vaccinations?
Does Pet Insurance Cover Vaccinations?

The recommended immunization schedule for pets begins as early as six weeks of age, and vaccinations are a regular part of your pet’s life. If your pet becomes unwell, these vaccines may help them avoid certain illnesses and diseases or lessen the severity of their symptoms. Of course, they are not free. Depending on age and breed, you may have to spend hundreds of dollars annually on your pet’s scheduled vaccines and the appointments required to give them. Does pet insurance cover vaccinations and neutering? Which pet insurance offers the best coverage for vaccinations?

For your dog or cat, you might be able to get some (or all) of these expenses covered with the correct pet insurance plan, but it’s vital to know what your plan covers. Here is a look at how a pet insurance plan can cover routine vaccinations.

Does Pet Insurance Cover Vaccinations?

Your standard pet insurance policy does not cover vaccinations because they are considered “routine care.” Most pet insurance policies only cover illnesses and injuries. Instead, preventative treatment and visits are out-of-pocket costs, which sometimes leaves pet owners with only standard insurance policies with high vet bills.

Suppose you want your pet’s insurance to cover routine treatments like annual exams, dental cleanings, and spay/neuter surgery. In that case, you might acquire a wellness plan in place of a regular pet insurance policy and the like, as well as preventative care like vaccinations.

There may be restrictions on the kinds or numbers of vaccines covered annually, even with wellness insurance. However, the coverage that these plans do provide can assist in covering many of your pet’s other preventative care expenses, like vaccines.

Similar to the accident and illness policies offered by conventional pet insurance providers, pet wellness plans often function on a reimbursement premise. In other words, pet owners typically pay the veterinarian directly for a visit before filing a claim for reimbursement from the insurance provider.

For example, your wellness plan offers coverage for up to $75 per vaccination and a $500 yearly cap. If you receive four vaccines at $60 each, your insurance will pay you $240. For additional covered preventative treatments, such as flea control or heartworm prevention, you would still have up to $260 available in your insurance plan.

What Vaccinations Are Covered by Pet Wellness Plans?

Your veterinarian may recommend up to four core vaccinations for your pet during the first year of life: three doses of DAP and one dose of rabies. They may also recommend other lifestyle-related vaccines, such as those for Lyme, Bordetella, Leptospirosis, or canine influenza.

Veterinarians strongly advise getting most of these vaccines, especially if your dog is frequently outside, around other animals, or boarded while you are away. Your state or municipal government might even require some vaccines in particular circumstances. Additionally, you should anticipate that some vaccines will be necessary before utilizing specific pet services, such as grooming or boarding.

The most common vaccines you might receive for your pet include:


Your county or state might need this highly recommended vaccination, or your pet would need documentation of a blood titer test to be exempt. The first rabies shot is often administered at 16 weeks, although a booster shot is frequently necessary around the time of the child’s first birthday. Depending on your state’s rules, rabies vaccines can be given either annually or every three years.


The five vaccines included in this shot are both essential and optional. It includes distemper, parvovirus, hepatitis, leptospirosis, and hepatitis and can be given to pets as young as six weeks. Your pet needs three more booster shots spaced three weeks apart, plus one more shot when they’re a year old before they’re deemed fully immunized. It is possible to divide and administer this vaccination in smaller doses.


Dog vaccines include Adenovirus (Type 2), canine parvovirus, and canine distemper. It may be administered as soon as six to eight weeks.


The Bordetella vaccination is frequently suggested for pets who interact with other animals because it is one of the two main causes of kennel cough. If you intend to board your pet or send it off to daycare, pets can receive their first dose of bordetella at three weeks old, followed four weeks later by a booster.


You could decide to get an influenza vaccine to protect your pet against the flu virus. This can aid in defending them against the two most prevalent and contagious forms of canine flu, like how human flu spreads among people (don’t worry, though; you and your pet cannot contract the virus from one another). This series has two shots, and then you get an annual booster.


Your veterinarian can suggest a Lyme disease vaccine if your pet spends time outdoors or if you reside in a certain region of the nation. Reduced energy, loss of appetite, and other relatively minor symptoms can be the first signs of this tick-borne sickness, which can progress to lameness, kidney failure, heart problems, or even neurological damage. However, not all pets should receive the Lyme vaccine, so talk to your veterinarian.


FVRCP is a five-in-one vaccine created for cats, much like the DHLPP vaccine for dogs. It addresses feline panleukopenia, calicivirus, and feline viral rhinotracheitis. Until they are between 16 and 20 weeks old, this vaccination is normally given to kittens at intervals of three to four weeks, and then it is given once again a year later. Every three years, it is done again.

Does Pet Insurance Cover Vaccinations and Neutering?

No, because these procedures are elective, many pet insurance plans do not cover vaccinations, spaying, or neutering. However, spaying and neutering may be partially covered by certain pet health plans, often known as preventative or regular care plans.

Best Does Pet Insurance That Cover Vaccines

Many pet insurance providers provide accident and illness coverage, but some also include additional pet wellness programs. Although standalone coverage may also be an option, these policies are frequently offered as an addition to an existing insurance policy. Health insurance frequently covers preventative measures like vaccines. The following pet insurance policies include vaccination coverage:


Notably, ManyPets does not at the moment provide wellness plans. Therefore, vaccine coverage is not yet available.

The ManyPets wellness plan covers numerous costs associated with preventive care. Plans provide benefits of up to $600 per year, including annual physicals, vaccines, dental cleanings, holistic care, and flea/tick/heartworm testing or prevention. After just a 24-hour wait time, coverage starts.

For cats and dogs, wellness coverage costs $19.99 and $24.99, respectively.

A ManyPets wellness plan covers the following vaccines:

  • Rabies
  • Bordetella
  • DHPP
  • Lyme


It may supplement any pet insurance plan purchased from the firm with Embrace wellness programs, referred to as Wellness Rewards. Depending on the requirements of your pet and the high reimbursement rate you need, they are available in three different coverage amounts.

The annual cost of Wellness Rewards coverage ranges from $250 to $650. It includes wellness examinations, routine vaccinations, dental cleanings and exams, spay and neuter operations, and even grooming (including nail trimming).

Depending on the plan you select, the monthly cost for wellness insurance ranges from $18 to $52.

Vaccines are covered by a wellness plan with Embrace pet insurance.

Embrace does not have a predetermined reimbursement cap for any particular vaccines; rather, you may obtain any vaccination you think necessary for your pet and receive reimbursement up to your annual maximum allowance.


Two ASPCA wellness plans are available as options for pet insurance policies. The basic plan costs $9.95 a month and provides benefits worth up to $250 yearly. The Prime plan, which costs $24.95 a month and has perks worth up to $450 yearly, is available.

Regarding care categories, which range from wellness examinations to heartworm tests; dental cleanings, deworming, and vaccines, both have particular coverage restrictions.

Due to the reimbursement-based nature of these plans, pet owners must first pay their veterinarian directly before submitting a claim for reimbursement to the ASPCA. The care category and the plan’s overall yearly cap determine the maximum payment.

A wellness plan from the ASPCA covers vaccines.

  • Feline FVRCP or DHLPP Vaccine/Titer
  • Lyme vaccine/titer, feline FIP, or rabies
  • FeLV or Bordetella Vaccine/Titer


Wagmo is the only carrier on this list that provides a standalone pet wellness plan. This implies that you can still acquire coverage for routine treatment even if you don’t buy a conventional pet insurance policy.

There are three different Wagmo plans available, and each one has a different annual maximum reimbursement limit; Value, with monthly premiums of $20 and $350 in annual coverage, Classic, which costs $36 per month and offers $650 in annual coverage; Deluxe, which costs $59 per month and offers $1,100 in annual coverage.

Routine exams, grooming, dental cleanings, flea/tick/heartworm prevention, blood tests, and vaccines are among the categories of coverage.

Vaccines are covered by a Wagmo wellness plan.

  • Bordetella
  • Distemper
  • Leptospirosis
  • Lyme
  • Rabies
  • Influenza
  • FeLV
  • All vaccine boosters

Additional Pet Insurance Providers that Cover Vaccines

Pet insurance firms are increasingly offering wellness plans as add-ons to their standard policies or as standalone policies for pet owners who need cover for vaccinations. The following list includes some of the top pet insurance providers with wellness programs:

Best Pets.

Additionally, Pets Best offers a few different pet insurance packages. It provides routine care and pet wellness coverage, including vaccinations and shots. Depending on your plan, it pays between $30 and $40 a year for vaccinations with no deductible.


The “basic” and “plus” wellness plans nationwide cover vaccines and other preventive services.


Lemonade provides two degrees of protection. The base cover includes vaccinations, starting at $10 per month for cats and $15 per month for dogs.

Why Should your Pet Receive Vaccinations?

Your pet’s immunity against fatal and contagious diseases is provided to him by vaccines, which can also minimize the symptoms of the diseases or stop them altogether. Vaccines can help you avoid spending money on treatments for diseases that they can prevent; stop the spread of these diseases from animals to humans or between animals; protect your pets against vaccines that are common in wildlife. Certain pet vaccinations, like those for rabies, are mandated in several states.


Even though they can be crucial to your pet’s sustained health, routine treatments like annual exams; scheduled vaccinations are typically not covered by pet insurance plans. You must purchase a wellness plan if you want insurance for preventative treatment in addition to accident and illness coverage or as a standalone package.

These plans often cover routine veterinary care and visits, including vaccinations. When comparing plans, consider your pet’s age and care requirements because each one has a different level of coverage and vaccines.

Frequently Asked Questions

Does lemonade insurance cover vaccinations?

You can get help paying for various healthcare benefits, including three vaccinations annually when you add a Preventative or Preventative+ package to Lemonade’s standard accident and illness coverage. Additionally, we provide a Puppy/Kitten Preventative plan that includes up to six vaccines annually.

Does fetch insurance cover vaccines?

No, they do not cover vaccinations. Future illnesses and injuries that are impossible to predict are covered by pet insurance. Routine and preventative care are not currently covered.

What is pet insurance used for?

Many pet owners fail to purchase pet insurance, which is a type of insurance. But when your cat or dog needs emergency care, it can help you avoid unforeseen charges. A health insurance policy for your pet called pet insurance will pay for certain medical costs that are listed in the policy and reimburse you for them.

Is medication covered under pet insurance?

Most pet insurance policies cover at least some prescription medication. This includes prescription drugs related to diseases or accidents that are covered. Only if you have a wellness rider on your plan are the majority of preventative drugs covered, such as flea and tick treatment.

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