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Does Pet Insurance Cover Vaccinations?

Rita Oguntuase
Rita Oguntuase
Rita Oguntuase is an experienced content developer with a particular interest in the finance space. Over the course of her career, she has focused on multiple aspects of finance, ranging from insurance and investments to cryptocurrencies and corporate accounting. With a significant wealth of experience under her belt, Rita has helped to cover some of the most pivotal events in finance across this decade. Rita’s expertise has led to her work being featured in several reputable publications - Forbes, Seeking Alpha, Cointelegraph, and much more.

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A veterinarian and two volunteers helping a sick dog
Table of Contents

Pet insurance usually doesn’t cover pet vaccinations, since the latter are considered to be routine needs for any pet. However, some pet insurance companies could offer add-ons that could cater to your pet’s vaccination requirements. In this article, we’ll explain everything you need to know about pet insurance and the impact of vaccinations on your insurance policy.

Takeaway Points

  • If you need to get your pet vaccinated, there’s a significant chance that your insurance policy won’t cover it
  • But, some insurance companies offer partial coverage for regular vaccinations
  • You have to know the companies that handle insurance claims for pet vaccinations
  • Also, remember to speak to your vet about the vaccinations your pet will need and find companies that might be willing to cover these procedures.

Understanding How Vaccination Coverage Works

If you get a pet at a young age, you’ll find that vets usually recommend four primary vaccines at this stage. They’d ask that you get a single rabies shot as well as three doses of the PADD (distemper, adenovirus, parainfluenza, and parvo) vaccine.

Other vaccines could be recommended based on additional factors like the breed of your pet and your location.

However, while vaccines are crucial for the health of your pet, it is also important to note that most insurance companies tend to focus more on illness and accident coverage.

The primary point here is that most insurance companies tend to provide coverage for treatments and procedures that are seen as emergencies. So, while vaccinations are important, they are a regular occurrence which might not be covered.

However, while most insurance companies offer wellness plans for your pets that cater to these emergencies, there are cases where you could get add-ons that could cover routine care for your pets—such as vaccinations.

What is a Wellness Plan?

A wellness plan is a form of pet insurance that covers regular veterinary care, screening diagnostics, vaccinations, dental cleanings, and more. These plans could either be available as standalone plans or can be sold as add-ons to traditional accident-only and accident and illness health insurance policies.
In general, wellness plans can cover the following:

  • Vaccines
  • Microchipping
  • Annual wellness examinations
  • Fecal exams
  • Dental cleanings
  • Heartworm tests

And more.

It is worth noting that insurance companies don’t have to pay full costs even if something is covered. You would need to consider the limitations of how much they will reimburse you, so you know how much you will have to pay.

Some wellness plans will cover per-item limitations – such as a specific amount yearly for a procedure.Others could offer an annual allowance as opposed to a per-treatment cost coverage, allowing you to pick the type of preventive care services that you’d like for the funds to cover based on your pet’s needs.

It is important for you to carefully examine the plan you’re considering. You can compare plans and check with your vet to know the level of coverage that each offers, as well as whether it will work for your pet’s needs.

For instance, a plan that offers vaccine coverage as an add-on will be great for a younger dog since they need more vaccinations than senior dogs.

What is a Preventive Care or Wellness Package?

A preventive care or wellness package is usually given to cover situations where medical procedures need to be conducted on your pet before a condition becomes much worse. These packages cover services that are aimed at improving the overall health and wellness of your pet.

They say prevention is usually better than cure. And when it comes to the health of your pet, this saying especially holds true. You want to make sure that any potential risks are taken care of immediately, especially before they get any worse.

With preventive care, you have the opportunity to do that.

From flea medications and prophylactics to dental cleanings and heartworm prevention, these services are generally geared towards ensuring that your pet doesn’t get sick in the future. They are designed to save you money in the long run, since reactive treatments tend to be more expensive.

What is The Annual Cost of Vaccinations?

Vaccination costs tend to vary based on several factors – including your pet, its breed and disposition to diseases, and any pre-existing conditions that the pet might have.
Most times, pet vaccinations tend to cost the most in the first year. According to data, you could end up paying between $100 and $350 in the first year for the first year. However, that cost drops to about $80 to $250 annually.

Of course, it is worth noting that this also depends on factors like the pet’s lifestyle and the competitive local rate.

Below, we’ve provided a breakdown that shows the cost of some vaccinations for your pets:

  • Bordetella – $20
  • DA2PPv – $21.99
  • Rabies vaccine – $15.99
  • Deworming (roundworm) – $12
  • Rattlesnake vaccine – $30

Important Vaccines For Your Pets

The vaccinations your pet should take will primarily depend on the type of pet and additional factors like your location and the pet’s propensity for disease.

Vaccines Needed by Dogs

According to the Canine Task Force of the American Animal Hospital Association, the following are the core dog vaccinations:

  • Canine Distemper
  • Canine Parvovirus
  • Rabies
  • Hepatitis

There are also some non-core vaccinations to keep an eye on. While they aren’t considered core, they are crucial for most dogs that could be exposed to infectious diseases. They include:

  • Canine Influenza
  • Bordetella
  • Lyme Disease
  • Leptospirosis
  • Rattlesnake Toxoid

Vaccines Needed by Cats

According to the American Association of Feline Practitioners, the following vaccinations should be administered to cats:

  • Rabies
  • Feline Leukemia
  • FVRCP: Also known as the “Feline distemper vaccine,” this vaccine protects against different conditions – including panleukopenia, calicivirus, and rhinotracheitis.

However, you should also be able to discuss the necessary vaccinations for your cat whenever you visit your vet. Depending on different factors, you might have to get more vaccines for your furry feline friends.

Little cat getting a vaccine

What Insurances Cover Vaccines For Your Pet?

As explained earlier, not every insurance policy or company covers vaccinations for your pet.s However, if you’d like to work with a company that offers more leeway in terms of pet vaccinations, you could consider these companies:

Lemonade Pet Insurance

Lemonade Pet Insurance is one of the most popular insurance coverage providers for pets. The company is known for its relatively affordable insurance policies, as well as a simple and user-friendly app that allows you to manage your pet’s health.

With its Preventative and Preventative+ plans, Lemonade offers coverage for different vaccination types.

Spot Pet Insurance Vaccination Coverage

With Spot Pet Insurance, you can get an affordable accident-only plan that helps you to save a great deal of money. You can also enjoy better customization options than most other competitors, with annual limit options starting from $2,500.

Add-ons from the company cover the DHLPP vaccines, and much more.

Embrace Pet Insurance Vaccination Coverage

Another company that stands out for its affordability, Embrace Pet Insurance provides bonuses such as a 105 discount for each additional pet policy you get as well as discounts for client companies and military personnel.

The pet vaccines covered by Embrace are a part of its Wellness Rewards plan.

Does Vaccine Coverage Via Pet Insurance Or Wellness Plans Save You Money?

There is no doubt about the fact that vaccine insurance can help you to save a lot of money. While you might not be able to find insurance plans that cover the entire cost of your pet insurance, you can undoubtedly find plans that take the load off your shoulders by covering a portion of the costs.

So, if you’re worried about cost savings, you should definitely consider insurance companies that offer partial or full coverage of your pet vaccinations.

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