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. Progressive Pet Insurance by Pets Best offers two wellness plans you can add to your injury-and-illness pet insurance policy. 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 in addition to your comprehensive pet insurance policy. Through Progressive, you'll specifically need an EssentialWellness or BestWellness plan added on to your BestBenefit policy. With these wellness plans, you'll qualify for a certain amount of reimbursement for vaccine shots or titers each year.

Learn about how pet insurance works.

How does pet health insurance cover vaccinations?

Pet health insurance typically covers vaccinations only through an add-on wellness plan that can reimburse you for certain preventative costs. When your pet gets a qualifying vaccine or titer, 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.

With Progressive Pet Insurance by Pets Best, you can get reimbursed for vaccines through either the EssentialWellness plan or BestWellness plan, if you add one of them to your BestBenefit policy. You have access to these preventative plans regardless of your pet's age, even if they're a senior pet.

Review our guide to shopping for pet insurance.

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. Their preventative care bills might add up quickly, making a wellness plan worth the cost.

Pets Best's wellness plans include reimbursement for:

  • Vaccines/titers
  • Rabies vaccine
  • Spaying/neutering or teeth cleaning (BestWellness only)
  • Flea/tick prevention
  • Heartworm prevention
  • Heartworm test or FELV screen
  • Deworming
  • Blood, fecal, or parasite exams
  • Urinalysis or ERD
  • Microchip
  • Wellness exams

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

Learn more about our pet insurance policies.

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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. (PAA) refers consumers to Pets Best Insurance Services LLC (Pets Best), which offers and administers pet insurance coverage 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.

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

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.