Does pet insurance cover vaccinations?

Yes, some pet insurance providers offer coverage for pet vaccination shots. It usually comes in the form of a routine care or pet wellness plan. You'll pay an additional premium and can be reimbursed for certain preventative procedures, including vaccines.

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Does pet insurance cover shots?

It depends on the type of shot and the pet insurance coverage you have:

  • Shots for treating an injury or illness

    If your pet has a covered injury or illness that requires a shot, it may be covered under your accident-only or accident-and-illness pet insurance policy. To access coverage for the shot, you'll submit a claim for the shot along with your pet's other related treatment costs.

  • Vaccine shots

    For vaccination coverage, you need a routine care or pet wellness plan. These plans may be available to buy separately or together with a comprehensive pet plan. With these wellness plans, you'll qualify for a certain amount of reimbursement for vaccine shots each year.

How does pet health insurance cover vaccinations?

Pet health insurance typically covers vaccinations only through wellness plans that can reimburse you for certain preventative costs, up to an annual maximum. When your pet gets a qualifying vaccine, you can file a claim to get reimbursed up to the plan's limit. Wellness plans typically don't have a deductible.

Example:You pay your dog's $20 bordatella vaccine bill at the vet. Your pet wellness plan can reimburse you for $30 per year in vaccine costs, so you file a claim with your pet insurance and receive a $20 reimbursement check. If your pet gets other vaccines before your policy renews, you can get reimbursed up to the remaining $10. Your $30 vaccine reimbursement limit will start over each year that you renew.

Is pet vaccine coverage worth it?

If your pet will need vaccines plus other covered preventative care services within the span of a year, getting a wellness plan can be worth it as preventative care bills can add up quickly.

Wellness plans may include reimbursement for:

  • Vaccines
  • Rabies vaccine
  • Spaying/neutering or teeth cleaning
  • Dental cleanings
  • Flea/tick prevention
  • Heartworm prevention
  • Heartworm test
  • And more

Get pet insurance coverage for vaccinations

Get a pet insurance quote for your cat or dog online, or call 1-877-298-0639 and speak with a licensed representative about your pet health plan options.

Get a quote for pet health insurance today

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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Progressive Advantage Agency, Inc. refers consumers seeking Progressive® Pet Insurance to Companion Protect and to ORIC for such coverage. Neither Companion Protect nor ORIC is affiliated with Progressive.

“Progressive Pet Insurance” is administered by Companion Protect Agency, LLC, a licensed insurance agency known nationwide (except in CA) as “Companion Protect Agency, LLC” (Iowa license #1002314428) (FL License # L106403); in California, it is known as “CP Pet Insurance Services, LLC” (CA license #0N14138). It is located at 11460 Tomahawk Creek Parkway, Ste 300, Leawood, KS 66211. Companion Protect receives a commission on policies underwritten in this program. Premium is paid monthly in advance of coverage. A service or payment fee may also apply if premium is paid by credit/debit card. (See your billing statement.) A deductible and copay are applied to claims. Policyholders have the option of an annual coverage benefit of $5,000, $10,000, or $20,000. You can cancel coverage at any time; a pro-rated refund may apply. For a copy of Companion Protect’s privacy policy, please visit your customer portal at progressive-my.petscovered.com.

The insurer of this program is Old Republic Insurance Company (“ORIC”). This description of the pet insurance coverage provided by ORIC is for informational purposes only. No representation is made with respect to coverage in any specific fact, situation, or circumstance. Companion Protect underwrites and adjusts claims on behalf of ORIC under this program. ORIC’s program administered by Companion Protect is not offered by or sponsored by Companion Life Insurance Company or its affiliated companies.

PAA receives compensation from Companion Protect that may vary based on the policy you buy. Call Progressive at 855-347-3139 for more details.

Discounts vary based upon eligibility. Discounts may not be cumulative. Price, coverage, and coverage terms vary by state and depend upon policy provisions. Please refer to your policy for details.

Progressive Advantage Agency, Inc. (PAA) refers consumers to Pets Best Insurance Services, LLC who offer and administer pet insurance coverages underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details. Pets Best and the insurers are not affiliated with Progressive.

PAA and Progressive are not responsible for insurer or coverage selections, policies issued, claims, the content or operation of others' websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use, and may be shared with us.

PAA receives compensation from Pets Best that may vary based on the policy you buy. Call Progressive at 855-347-3139 for more details.

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.

Price, coverage, and coverage terms and conditions may vary between insurers. Coverage and discounts may not be available in all states and situations. Eligible expenses and coverages may vary, depending on your plan selection. All coverage is subject to policy terms and conditions.