Does Pet Insurance Cover Check Ups or Preventative Care? (2024)

FAQs

Does Pet Insurance Cover Check Ups or Preventative Care? ›

Most standard pet insurance policies don't cover routine care, but you can usually buy a separate pet wellness plan that covers annual exams, vaccinations, and other routine services. Some insurers may allow you to add coverage for pet wellness care to a standard policy as well.

Preventatives, such as heartworm, flea, and tick medications, are also not covered under most accident-only and comprehensive pet insurance plans. That's because these medications fall under routine care.

Most will cover common injuries and illnesses, like cancer, diabetes, and broken bones; however, coverage for certain treatments and services, like microchipping, behavior therapy, and dental care, can vary. Pet insurance works differently from human health insurance.

A pet health insurance policy that includes a wellness plan will typically help cover the costs of routine veterinary visits, such as exams and preventive care.

Though much less expensive and stressful than emergency vet visits, routine care for your pet can still add up financially. A pet wellness plan can help you manage the cost of preventative vet services like your cat's or dog's annual visit, vaccinations and parasite prevention.

Policies can include cover for: Veterinary fees - The cost of diagnosing and treating illnesses and/or injuries. This is the core cover provided by pet insurance and normally includes the cost of consultations, examinations, tests, x-rays, MRI/CT scans, medication, bandages, surgery, and hospitalisation.

Pet insurance covers hospitalization, diagnostic testing, medication, illness treatment, surgery and more if your pet has an accident or illness.

Most pet insurance providers don't cover flea and tick prevention in their base plans. Insurers see preventive care as an expected monthly cost pet parents can plan for rather than an unpredictable expense they may need help covering. However, many companies offer preventive care add-ons for an extra monthly fee.

Most pet insurance plans reimburse only 70% to 90% of covered veterinary fees after the deductible, so you would have to spend more than $10,000 on your pet's care in a given year to reach the limit.

What is the best pet insurance that covers everything? ›

Diagnostic tests

MetLife Pet Insurance can provide coverage for X-rays, ultrasounds, bloodwork, CT scans, MRIs, and more. This way, you could afford to get some of the most comprehensive testing possible.

what is preventive care? Preventive care coverage gives you cash back for eligible routine services that help keep your pet living a happier, healthier, longer life. Things like vaccines, flea and tick medication, heartworm prevention, and dental cleanings can help keep your pet from getting sick.

Pet insurance can be relatively expensive, so it's worth shopping around for the best deal. Comparison websites are a good place to start. But they don't all cover the whole market. So use a few different sites to make sure you don't miss any good deals.

You can only get reimbursed for a pet's anxiety expenses — such as prescription medication, behavioral modification, obedience training, alternative therapies like acupuncture or massage, and homeopathy — if you enroll in a plan with comprehensive coverage before symptoms of the condition are documented.

Does pet insurance cover allergy medication? Yup. As long as the allergy isn't considered a pre-existing condition, your pet's allergy meds, like Apoquel allergy pills and Cytopoint allergy injections, are covered.

Do all pet insurance providers cover prescription food? Sadly, no. In most cases, prescription pet food isn't covered at all, and if it is, it is often only with an additional costly add-on or on a case-by-case basis only.