Does Pet Insurance Cover Vaccinations?

TL;DR 

As veterinary costs rise, most pet parents opt for pet insurance plans to offset some costs. Pet insurance plans can be a bit confusing, though, and it’s important to note that most do not automatically cover annual wellness services like vaccines. To receive coverage under your pet insurance for vaccines and other routine annual services, you’ll need to choose an optional add-on wellness plan to your primary emergency pet insurance plan.

Takeaway Points

  • Standard pet insurance plans typically don’t cover vaccinations
  • Many pet insurance companies offer wellness plans as an add-on which frequently cover vaccination costs
  • Wellness plans also cover other routine annual wellness services like routine blood work or fecal, microchip, flea/tick and heartworm prevention, and more. 
  • Wellness plans generally do not contribute to your annual deductible. This means you can get reimbursed up to the maximum yearly benefit you’ve chosen, even if you haven’t met your deductible.

What insurances cover vaccines for your pet? 

There’s no denying that providing adequate care for your pet can be expensive. Pet insurance is often an excellent choice for pet parents, which helps with potentially costly vet treatments. In times of emergencies and stress, pet insurance may allow you to provide care for your pet without being overwhelmed with financial decisions. 

Most insurances don’t cover routine annual wellness or vaccinations. While pet insurance is designed to cover unexpected costs, many pet insurance companies offer an optional add-on wellness coverage plan. 

Here are a few well-known and popular pet insurance companies that have optional add-on wellness plans for annual vaccine coverage:

Embrace Pet InsuranceUp to $650 allowance per policy year 
Nationwide Pet InsuranceUp to $500 maximum annual benefit
Pets Best InsuranceUp to $535 total annual benefit

How does vaccination coverage work under a pet insurance plan?

Pet insurance companies that provide optional wellness coverage generally cover other routine items besides vaccinations, like flea/tick and heartworm prevention, vaccine titers, routine blood or fecal tests, microchip, and even more. 

When selecting vaccination coverage by choosing an optional wellness plan, you’ll pay a specific monthly amount for your premium. For example, with Pets Best, you would pay $26/month for up to $535 total annual wellness benefits. Since this is an optional add-on, this cost is in addition to your regular monthly premium for your basic accident and emergency insurance plan. 

For most pet insurance policies, wellness plans do not count towards your annual deductible. So, when your pet has their annual vaccine, you can immediately submit your invoice for reimbursement up to the specific dollar amount you’ve chosen ($535 in the example above), even if you haven’t reached your annual deductible yet. 

What are the most important vaccinations for your dog? 

During your annual wellness visit, your veterinarian will recommend the vaccines they think your pet will benefit from. Some vaccines, like influenza, aren’t considered a core vaccine and are recommended depending on lifestyle factors. 

There are typically five vaccines available to dogs:

  • Rabies
  • Distemper, adenovirus, parainfluenza, and parvovirus combination (DAPP) or distemper, hepatitis, leptospirosis, parainfluenza, and parvovirus (DHLPP)
  • Influenza
  • Bordetella (kennel cough)
  • Lyme

Rabies and the DAPP or DHLPP vaccines are considered core vaccines and recommended for all dogs, while the other vaccines depend on lifestyle factors. In fact, Rabies is required by law in all 50 states in the United States. If you and your dog travel, you may even be asked for proof of current Rabies vaccination. 

Typically influenza and Bordetella are only given to dogs in environments where they can catch those diseases from other dogs, like boarding kennels or dog parks. Similarly, Lyme and leptospirosis are also considered lifestyle vaccines. Ticks transmit Lyme disease, and leptospirosis is often transmitted through contaminated soil or standing water.

For those reasons, Lyme and leptospirosis are generally only recommended to dogs at risk, which may include dogs that go hiking or play in the woods or live in more rural areas with more wildlife. 

What is the annual cost of vaccines? 

While the annual cost of vaccines depends on many factors, including the cost of living, here are some average prices that you can expect: 

Rabies$20-$30
DAPP or DHLPP$20-$50
Leptospirosis (separate from the combo vaccine)$20-$40
Bordetella$30-$50
Canine influenza$40-$60
Lyme$20-$40

As young puppies, dogs will require a series of vaccines to protect them adequately. After the initial series of vaccines, a Rabies vaccine is generally valid for three years, though this can vary by state. The DAPP or DHPP vaccine is also typically given every three years. If you choose to have your dog vaccinated with the other vaccines, they will need to be given yearly for optimum protection. 

Does vaccine coverage with a wellness plan save you money? 

As mentioned above, every wellness plan through every pet insurance company will be different, so it’s best to contact the company directly and request a quote. 

In general, most wellness plans cover additional services in addition to vaccines. Optional services that may be included are routine blood or fecal tests, microchip, flea/tick and heartworm prevention. If you’re likely to use these services, then paying a monthly fee for a wellness plan may be the best option.

To stick with our example above of Pets Best, you would pay $26 per month for a total coverage of up to $535 annual wellness benefits. If you were to set aside $26 in a savings account every month, that’s still only $312 total by the end of the year. By paying the $26 per month to get coverage up to $535, so if you frequently use wellness services, you could save up to $223!

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Alix Mitchell

Alix Mitchell is a veterinary technician turned dog trainer with over a decade of experience working with dogs. Although her educational background in animal science gave her a broad knowledge base, it was her own behaviorally challenging dog who helped her realize her passion in life is teaching dog owners how to live a better life with their dog. Using positive reinforcement based training techniques, Alix specializes in improving the dog and owner relationship by meeting all of the dog’s mental and physical needs to modify behavior problems like reactivity and aggression. Alix currently resides in Virginia with her husband and two dogs. In her free time, you can find her either reading a good thriller novel or out in nature camping and hiking with her family.