What Pet Insurance Does and Doesn’t Cover?

Whether you’re a pet parent or are considering getting a pet, it’s important to know what kind of financial protection pet insurance can provide. Pet insurance can cover unexpected vet bills, but does it cover medications?

Let’s take a closer look at what pet insurance covers, and what it doesn’t.

What Pet Insurance Covers

Pet insurance is designed to help offset the costs associated with treating illnesses and injuries in pets.

Most policies will cover vet fees for treatments such as vaccinations, spaying/neutering, diagnostic tests, surgery, hospitalization, and prescription medication.

In addition to these standard expenses, some policies may also provide coverage for alternative treatments such as acupuncture or hydrotherapy.

Does Pet Insurance Cover Medication?

Yes! Many major pet insurers offer comprehensive coverage that includes prescription medications. This type of coverage can be especially beneficial if your pet has an ongoing medical condition such as diabetes or allergies that requires regular medication.

It is important to keep in mind that most policies have limits on the amount they will reimburse per year for prescription medications, so make sure to read the fine print before signing up for any policy.

Also, keep in mind that some policies may exclude certain types of medications from their coverage—so again, make sure you know exactly what is covered before signing up!


In short, pet insurance can be an invaluable resource for those who want to ensure their furry friends have access to top-notch health care without breaking the bank.

While not all policies are created equal—some may include coverage for prescription medications while others may not—it’s important to do your research so you know exactly what you’re getting into before signing up.

That way you’ll have peace of mind knowing that should your beloved pet ever need medical treatment or require ongoing medication, you’ll be able to provide them with the best possible care without worrying about how you’re going to pay for it.

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