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Does Pet Insurance Cover Vaccines?

vaccines for pets


Pet owners aim to provide their dogs or cats with the basics needed to live a full and healthy life. Vaccinations are one of the easiest and most dependable ways to do that.

Because of their importance, you don’t want to let concerns over money hinder your ability to give your pet the proper vaccinations needed to protect it from illness and potentially fatal diseases.

Whether your pet is already insured or you’re planning to enroll in a plan, you’ll likely want to know, “Does pet insurance cover vaccinations?”

Although can help you when it comes to finding the best coverage for vaccinations, there is more than one answer to this question.

Does pet insurance cover vaccinations?

The answer is yes and no. Wellness plans are a form of pet insurance that covers vaccinations and preventive or routine services. These wellness plans are not, however, technically considered to be health insurance plans in the traditional sense.

Traditional pet insurance policies cover pets when they are ill or injured, and most do not cover preventive measures such as vaccinations.

Vaccines are important, as they prepare the immune system so that it is able to combat a disease should one’s pet ever be exposed to it.

They do this by introducing antigens into the immune system that imitate an infection without actually becoming one.

Ultimately, vaccinations not only save your pet from a life-threatening infection, but they also help prevent the costly veterinary bills that would come with treating these diseases.

Types of Vaccines

A range of vaccines is available to cover a variety of diseases, but while certain insurance companies cover vaccines with their wellness plans, they may only cover the core or most common vaccines.

Determining what vaccines are covered is part of the reason why one should investigate and compare pet insurance providers before signing up for a plan. Core and common vaccines differ for felines and canines.

For dogs, the core vaccines include canine parvovirus, canine distemper, rabies, and canine hepatitis. Common vaccines for dogs include those for leptospirosis and kennel cough.

Core vaccines for cats include feline distemper, feline calicivirus, and feline herpesvirus type I, which is also called rhinotracheitis. These three viruses are often covered in one shot called the FVRCP shot.

The vaccine for rabies is also considered a core vaccine. Common vaccines that may be covered by insurance include feline leukemia virus, bordetella, and feline immunodeficiency virus.

The exact vaccination schedule is ultimately decided by the veterinarian, who assesses each pet’s risks, including their age, traveling habits, environment, and health status.

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