Does It Cover Vaccinations?

Vaccinations are not covered by standard pet insurance plans but may be reimbursed if you purchase a wellness or preventive care add-on.
Source: BestPetPlanGuide.com

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Vaccines are one of the most effective ways to keep your pet healthy and avoid costly illnesses later. However, because vaccines are considered preventive, they are excluded from traditional accident and illness insurance policies.

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To get vaccine coverage, you need to add a wellness plan, which reimburses you for core and non-core vaccines, including:

• Rabies

• Distemper/parvo (DHPP)

• Bordetella (kennel cough)

• Leptospirosis

• Lyme disease (in certain regions)

• FVRCP (for cats)

Most wellness plans reimburse a fixed dollar amount per vaccine or per year, rather than a percentage. For example, your plan may offer up to $100/year for vaccines, regardless of how many you get.

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Some providers offer tiered wellness packages (e.g., basic vs premium), which vary in reimbursement caps. Read the fine print—some vaccine reimbursements only apply to certain age groups (puppies, seniors) or require using an in-network vet.