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Which Pet Insurance Covers Exam Fees
Surprising insight: Many pet parents assume exam fees are always covered—but most plans exclude them unless you pay extra.
Company
Trupanion
Healthy Paws
ASPCA
Lemonade
Embrace
Exam Fees Covered?
Yes (standard)
No
Optional add-on
No (as of 2024)
Add-on only
Notes
Included by default
Not covered under any plan
Part of Complete Coverage Plus
Exam fees not reimbursed
Only in Wellness Rewards
Takeaway: If exam fees matter to you (and they often do at $50–$100+ per visit), choose a provider that covers them without a rider—Trupanion is your best bet.
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