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Does Pet Health Insurance Cover Vaccinations

What Is The Best Affordable Pet Insurance

What is Pet Insurance | Allstate Insurance

Accident-only and wellness policies are the most affordable pet insurance plans, mainly because they are less comprehensive.

Purchasing one of these policies will only cover specific aspects of your pet’s health, like fractures and cuts under accident-only plans and routine labs under wellness-only plans. If you want a more comprehensive policy, you will have to pay more.

Pet Insurance Rating Of 49 Out Of 5

  • Reimburses up to $150 per year for routine veterinary exams and vaccinations
  • Additional preventative care coverage includes dental cleanings, heartworm testing, and holistic care
  • Vaccine coverage provided through an optional wellness add-on

The ManyPets wellness plan covers a range of preventative care costs. Plans offer up to $600 per year in annual benefits, which include routine exams, vaccines, dental cleanings, holistic care, and flea/tick/heartworm prevention or testing. Coverage begins after just a 24-hour waiting period.

Wellness coverage costs $19.99 for cats and $24.99 for dogs.

What Can You Do If You Need Help Paying For Vaccinations

While cat vaccinations arent that expensive , vaccinations for dogs can range anywhere from $100 to $350 annually. If youve already stretched your budget thin, that doesnt mean you cant find help to afford the essential vaccinations your pet needs. We have a few tips that can help you out.

  • Apply for CareCredit: CareCredit is a credit card that can help you pay for checkups, treatments, dental care, and vaccines.
  • Work out a deal with your veterinarian: While not all vets are willing to work with you, some will set up payment plans, help you with financing options, or defer your payments until you can pay for your pets vaccinations.
  • Turn to crowdfunding: Many people can pay for incredibly expensive treatments for sick pets thanks to crowdfunding. If youre strapped for cash, think about setting up a page for your pets vaccine bills.
  • Look for a low-cost clinic in your area: If your area has an affordable veterinary clinic, it never hurts to give them a call and ask about their prices.

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What Does My Pet Insurance Policy Cover

Along with pet insurance vaccinations, microchipping and neutering are all important parts of responsible pet ownership.

Many pet owners still have questions around the benefits of vaccination, microchipping and neutering, and whether or not their policy covers these procedures.

Petplan takes a look at these measures in more detail.

Is A Vaccination Guaranteed To Protect My Pet

A guide to dog vaccinations

For the most part there is strong evidence that vaccines will protect your pet. Its rare, but possible, for some pets to still get ill with a disease theyve been vaccinated against. Vaccinations aren’t 100% effective and some pets still get ill even after immunisation. But vaccinations do reduce the risk of this happening .

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Ology: Our System For Ranking The Best Pet Insurance Companies

Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.

Here are more details about each factor and how theyre weighted:

  • Monthly pricing : How much each company charges for its pet insurance plans is an important part of a customers decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Plans : The top pet insurance companies offer accident and illness plans, accident-only plans and wellness or preventative care add-ons to give customers the option to choose a plan thats best for their pet.
  • Covered treatments: With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options : Customizing your policy is a valuable way to ensure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.

Why Health Insurance Is Important For Your Pets

Its easy to fall in love with that adorable puppy full of energy and joy, but many new pet owners are shocked at the cost of puppys first year. The cost of checkups, spaying or neutering, and vaccinations add up quickly.

According to the American Kennel Club, costs for the first year can range between $700 to $1500 annually just in medical expenses. This doesnt include the cost of adoption or paying a breeder, grooming, food, toys, treats, and other miscellaneous expenses. The lifetime cost of medical expenses for dogs depends on the size. Small dogs usually live about 15 years, with a total lifetime cost of about $15,151. Medium dogs live about 13 years with a cost of $15,782, and large dogs live about 10 years with an average lifetime cost of about $14,480.

The average cost for a routine pet-care visit is around $242 for a dog and $178 for a cat. Surgery can cost as much as $458 for a dog and $201 for a cat. Of course, these are ballpark figures, and depending on the type of surgery or visit, these costs can go up from there. You also need to consider that most illnesses or injuries require multiple visits, sots easy to see how the cost of veterinary care can quickly add up.

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Does Pet Insurance Cover Pet Liability

What happens if your dog bites someone or destroys someone elses property? Generally, those types of incidents are covered by your homeowners insurance. For example, if your dog bites someone and youre sued, the liability coverage in your home insurance will generally pay for medical expenses and even a legal defense.

You may be able to get some liability coverage through your pet insurance company. For example, Trupanions Pet Owner Assistance package covers a pets property damage to others, up to $25,000.

Lifetime Cover Is Best For Your Pets

PET INSURANCE: Is it worth it?

Veterinary professionals will always recommend that a lifetime policy is best for you and your pet.

These policies typically offer a far more comprehensive level of cover and a fixed veterinary fee amount that you can access when needed. This amount will be replenished each policy year, so long as you remain with the same provider, your premiums are paid up to date, your insurer invites renewals and you continue to renew your cover every year.

Lifetime cover will ensure that your pet can receive lifelong treatment should they develop an ongoing condition such as diabetes or arthritis.

It might be a good idea to do some research on the illnesses and ailments your breed of dog or cat may be prone to. This will help you to be sure that you have the right amount of veterinary fee cover in place in the event of you needing to claim.

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Whats Covered By Pet Insurance

Pet insurance is a kind of health insurance policy that pays a portion of a pets medical bills. You can purchase a comprehensive policy that covers a wide range of health-related problems. Some plans even cover costs such as microchipping or end-of-life expenses for a pet.

Heres what is commonly covered by the best pet insurance plans:

  • Accidents and injuries, such as poisonings, sprains and ACL ruptures
  • Chronic illnesses such as allergies, arthritis and skin conditions
  • Common illnesses such as ear infections, vomiting and diarrhea
  • Serious illnesses such as cancer, heart disease and diabetes
  • Hereditary conditions such as hip dysplasia, eye disorders and blood disorders
  • Testing and diagnostics such as X-rays, MRIs, CT scans, blood tests and ultrasounds
  • Procedures such as surgeries, hospitalizations, nursing care, endoscopies and chemotherapy
  • Holistic and alternative procedures such as acupuncture, chiropractic and laser therapy
  • Wellness procedures such as vaccinations, flea/heartworm and spay/neuter
  • Behavioral therapy for problems such destructive chewing, excessive barking and aggression

Comprehensive pet insurance policies will be the most expensive plans. If you dont want a policy that covers a wide range of problems, you can buy a policy with fewer benefits. For example, you can buy a pet insurance plan that covers only accidents.

Some pet insurance plans include pet dental insurance, which covers problems like dental illnesses and dental accidents .

What Vaccines Does My Cat Need

The number of vaccines youll end up paying for depends on your cats age and where you live. Generally speaking, kittens typically need to receive more vaccines than an adult cat your vet will walk you through their vaccination schedule and decide which vaccinations are necessary. For example, the rabies vaccine must be administered every 2 or 3 years depending on which version of the vaccine you choose.

Major metropolitan areas like Los Angeles, Miami, and New York tend to charge more for labor so if youre a pet parent in these cities, keep this in mind: The vaccine itself may be $10, but the labor may be three times that amount. Here are the vaccines your cat needs and the average cost for each:3,4

Core Vaccinations

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Does Pet Insurance Cover Vaccinations

Vaccinations are not covered by pet insurance. Neither is spaying or neutering. But, having all your animals vaccinations up to date could mean lower insurance premiums.

Plus, if you dont vaccinate your pet, and they get ill with a disease that couldve been prevented with a vaccine, its unlikely your insurer will cover treatment costs.

Does Pet Insurance Cover Surgery

vaccinations for cats, dogs and rabbits

Pet insurance can cover a number of surgical procedures depending on your plan. The Accident Only plan can cover surgeries related to eligible accidental injuries. If you have a BestBenefit plan, you can also get coverage for illness-related surgeries up to the limits of your plan. Covered illnesses that may require surgery include cataracts, hip dysplasia, hernias, cherry eye, aural hematoma, pyometra, collapsing trachea, intervertebral disc disease, entropion, epulis, mast cell tumors, twisted stomach, and rectal prolapse.

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Can Kitten Vaccinations Make Them Sick

If a kitten vaccination causes vomiting or diarrhoea then you should contact the vet immediately. Vomiting and diarrhoea could be a sign your kitten or cat is having a severe allergic reaction to a vaccination.

You should also keep a lookout for breathing difficulties, pale gums and weakness after kitten vaccinations.

What Happens If I Choose Not To Vaccinate

It is a personal choice whether you choose to get your pet vaccinated or not, and it is understandable that some people may have concerns about it. While you probably wont be denied insurance for your pet, having them vaccinated could mean you are offered a higher insurance premium, or lower cover, or both.

Vaccination appointments are also a great time for your vet to give your animal a top-to-tail health check and get a full update on how theyre doing. They will ask questions about your animals eating, drinking, toileting habits etc. If you have any concerns to raise or questions to ask, this can also be done at the appointment.

It is also important to remember that if your pet falls ill with something that could have been prevented by vaccinating , it is possible your insurance provider will refuse to cover the cost or reject your claim.

Ultimately, if untreated, the diseases we vaccinate our pets against can make them seriously ill and may even be fatal.

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Extras To Pet Insurance

You may be able to add extra coverage with riders. For example, Trupanion sells a Pet Owner Assistance Package that covers non-veterinary problems like advertising and rewards for lost pets, boarding fees for your pet if you are hospitalized, cremation or burial for deaths caused by an accident, and liability coverage if your pet causes property damage to others.

To Help You Understand Why Its Important To Get Your Pet Vaccinated How Vaccinations Work And The Types Of Vaccines Your Cat Or Dog May Need Weve Compiled The Following Guide

Do you need pet insurance

While nobody likes to think about a beloved pet becoming ill, its an unfortunate fact of life that diseases affect animals as well as humans.

Many of the conditions affecting cats and dogs are common, and can be dangerous unless the right precautions have been taken.

Thankfully, advances in animal medicine mean that getting your pet vaccinated from the majority of common diseases is easy and inexpensive.

Since these vaccinations are affordable and widely available, theres no excuse not to protect your pet with them indeed, if you have pet insurance, your insurer will probably require your animals vaccinations to be up to date in order for your policy to remain valid.

Insurance policies dont cover the cost of vaccinations, so youll have to pay for them yourself. However, the right insurance policy will help you to pay for a wide range of veterinary care, ensuring that your animal is well looked after in the event of an accident or illness.

To help you understand why its important to get your pet vaccinated, how vaccinations work and the types of vaccines your cat or dog may need, weve compiled the following guide.

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Regular Checkups And Vaccinations For Two Dogs

Vet Bill: $300


Double the puppies means double the veterinary care. In Amy’s case her two pups, Lexington and Tucker, needed regular puppy checkups and booster shots along with their annual flea and heartworm preventatives. As any puppy parent knows, the costs add up quickly! But Amy had help, using her Embrace Wellness Rewards for vaccines, office visits, and preventative medications.

Together, Lexington and Tucker had three separate veterinary bills in just six weeks. But with 100% reimbursement they’ve been reimbursed a total of $299.58 so far. All Amy had to do was submit the receipts for her pets’ wellness care with a simple claim form. We put her reimbursement funds directly into her checking account the next day! The money Amy saved on the boys’ wellness care can now go to treats and puppy toys.

Does Pet Insurance Cover Medication

Yes, prescription medication usually falls under the terms of pet insurance. However, depending on the limits of your policy, not every medication may be covered. For instance, if you have accident-only coverage but your dog requires allergy medication, that medicine wouldnt fall under the terms of your plan. However, antibiotics prescribed after an injury almost certainly would be covered.

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What Routine Vaccines Are Essential For My Pet

Before we get into coverage, its important to understand what routine vaccines your puppy or kitten will need. Getting your pet vaccinated early on in life is one of the most important things you can do as a responsible pet parent. Not only do vaccinations protect your puppy or kitten from disease, but also neighboring pets around them.

But what vaccines are essential? And when should your pet get them? Vaccines are typically broken up into two categories: core vaccines and non-core vaccines. There may be some variation depending on where you live, your pets lifestyle, and your vets recommendations, but a typical vaccine schedule for a puppy or kitten is as follows:

Mipet Cover Is On A Mission

Kennebunk Veterinary Hospital

They want to see more of the UKs pets insured.

According to the Association of British Insurers 2021 research, its reported that only 25% of dogs and 14% of cats currently have a pet insurance policy in place in case of unexpected illness or injury.

With average claims rising to a staggering £817 , its always a good idea to consider whether you could afford to not have adequate pet cover in place.

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What Vaccinations Does My Pet Require


Dogs need to have their initial course of vaccinations as a puppy and yearly after this . This will protect them from potentially fatal diseases such as parvovirus, canine distemper, leptospirosisand canine hepatitis. The leptospirosis vaccine is required annually, with others only once every 3 years. You may also be offered the kennel coughor rabiesvaccinations, which are optional extras.


Cats should receive their initial course as kittens from 9 weeks old. Their normal vaccines cover them for feline panleukopenia virus, feline calicivirus and feline herpes virus, and may provide cover against feline leukaemia. As with dogs, this should be repeated yearly, and as with dogs, not every element will be given every year.


Rabbits are vaccinated against diseases called myxomatosis and rabbit haemorrhagic disease and can be done so from 5 weeks old.

For Kittens Essential Vaccines May Include:

Six to eight weeks:

  • FVRCP combination vaccine. This core combination vaccine can be given as early as six weeks. A total of three to four boosters are given, three to four weeks apart.

Nine to 12 weeks:

  • FVRCP booster
  • FeLV vaccine . This non-core vaccine can be given as early as eight weeks. A total of two vaccines are given, three to four weeks apart.

12 to 16 weeks:

  • Final FVRCP booster
  • Final FeLV vaccine
  • Rabies. This core vaccine is only given once to kittens. Typically, this vaccine is given at 16 weeks of age.

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Are You Still Not Convinced That Pet Insurance Is Right For You

MiPet Cover makes it easy for their policyholders.

MiPet Cover is here to help your canine companions and feline friends.

Last year

  • 16% of MiPet Cover policyholders needed to make a claim.
  • 95.1% of MiPet Cover claims were paid without quibble .
  • 42.6% of policyholders who needed to claim, claimed again at least once.

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