As a pet parent, you want your pet to live a long and healthy life. One way to do that is to have them vaccinated as a preventative measure against certain diseases.
As with any type of care for your pet, there is a cost associated with vaccinations. The last thing any pet parent wants is to have the costs prevent them from getting their pet a potentially life saving vaccine. One way to offset the sometimes costly experience at the vet’s office is to pay for pet insurance, which provides reimbursement up to policy plan limits for certain types of care.
If you have pet insurance or are thinking about purchasing it, does it cover vaccinations? This isn’t a simple yes or no question. First, let’s discuss what pet insurance covers and then go over the right plan for vaccination coverage.
What Does Pet Insurance Cover?
There is no one size fits all coverage for pet insurance. There are different types of coverage you can get at various premium levels, with pet insurance starting at just $15.00 a month. Your pet’s age, breed, where you live, coverage types, and options requested are all factors in determining cost.
Accident only pet insurance provides coverage if your pet gets hurt accidentally. Here are a few things that could happen to your pet that are covered by an accident only plan:
- Bite wounds
- Torn nails
This type of coverage can be inexpensive compared to other pet insurance policies, but that’s because it doesn’t cover for vet visits, preventative care, or illnesses.
If you want coverage for accidents and illnesses, then you want a comprehensive pet insurance plan. This is more expensive than accident only, but it also covers everything listed above, plus:
- Hereditary, chronic and congenital conditions
- Emergency vet visits
- Diagnostic testing
- Prescriptions (except preventatives)
- Hospital stays
Accident and illness plans do not cover regular vet visits, preventative care, or dental work (unless caused by illness or accident).
A wellness plan is not actually considered pet insurance, but it is an add-on you can get to supplement accident only or a comprehensive plan. You can also get the wellness plan by itself, which can be more cost effective if you are looking for coverage just for routine visits and preventative care, like vaccinations, routine vet checkups, and heartworm, flea and tick medications.
If you are interested in pet insuranc