FAQ

Pet Insurance That Covers Vaccinations | LendEDU

Vaccinations are a regular part of your pet’s life, and recommended vaccinations start at six weeks of age. These vaccines can help your pet avoid certain diseases and illnesses, or can prevent more serious symptoms if your pet gets sick.

of course, they have a cost. Depending on your pet’s age and breed, you could spend hundreds of dollars each year on scheduled vaccinations and the appointments needed to administer them. With the right pet insurance plan, you may be able to cover some (or all) of these costs for your dog or cat, but it’s important to understand exactly what your plan covers.

Reading: Which pet insurance covers vaccinations

Here’s a look at how you can get coverage for routine vaccinations through a pet insurance plan.

in this article:

  • Does pet insurance cover vaccinations?
  • Which vaccinations are covered under pet wellness plans?
  • pet insurance wellness plans and their vaccination benefits
  • Does pet insurance cover vaccinations?

    Your traditional pet insurance policy will not cover vaccinations as they are considered routine care and most pet insurance plans only cover illness and injury. instead, preventive visits and care are out-of-pocket expenses, often resulting in hefty vet bills for pet owners with only standard insurance plans.

    If you want pet insurance that covers vaccinations as well as routine care like annual exams, dental cleanings, spay/neuter surgery, and the like, you’ll need to purchase a wellness plan instead of (or in addition to) a standard pet insurance policy.

    However, even with wellness plans, there may be limits on the type or number of vaccines covered each year. however, the coverage these plans offer can help pay for vaccinations as well as many other preventive care costs for your pet.

    Pet wellness plans typically operate on a reimbursement model, similar to the accident and illness plans of traditional pet insurance companies. This means that pet owners will generally pay their veterinarian directly for the visit and then file a claim for reimbursement with the insurance company.

    Example: Let’s say your wellness plan offers vaccine coverage for up to $75 per shot, with a $500 annual plan maximum. if you get four shots at $60 each, your plan will reimburse you the full $240. you still have up to $260 left in your plan for other covered preventive treatments, like flea control or heartworm prevention.

    what vaccinations are covered under pet wellness plans?

    In your pet’s first year of life, your veterinarian will likely recommend up to four core vaccinations: three doses of dap and one of rabies. they may also suggest a number of other lifestyle-related vaccines, such as those for lyme, bordetella, leptospirosis, or canine influenza.

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    Most of these vaccines are highly recommended by veterinarians, especially if your dog spends time outdoors, is around other animals, or is approached when traveling. in some cases, the state or local government may even require certain vaccinations. You can also expect some vaccinations to be required before obtaining certain pet services, such as grooming or boarding.

    The most common vaccinations you can find for your pet include:

    • Rabies: This highly recommended vaccine may be required by your county or state, or your pet will need to have proof of a blood titer test to be exempt. The first rabies shot is usually given at 16 weeks, although a booster is often required around their first birthday. Rabies vaccines can be given annually or every three years, depending on your state laws.
    • dhlpp: This five-in-one shot combines core and non-core vaccines into one. includes distemper, hepatitis, leptospirosis, parainfluenza, and parvovirus, and can be given to pets as young as six weeks. requires two more boosters to be given at three week intervals and another when they are one year old, for your pet to be considered fully vaccinated. this vaccine can also be divided and administered individually.
    • dap: another combination vaccine, this one combines canine distemper with canine adenovirus (type 2) and canine parvovirus. can be given as early as six to eight weeks.
    • bordetella: One of the two main causes of kennel cough, the bordetella vaccine is often recommended for pets that spend time with other animals. it is generally recommended if you plan to board your pet or leave it in daycare. Bordetella can be given to pets starting at three weeks, with a booster four weeks later. future doses may be given yearly or every six months, depending on your pet and lifestyle.
    • Flu: To prevent the flu virus in your pet, you can opt for a flu shot. this can help protect them against the two most common strains of canine flu, which can spread between pets in a similar way to how human flu spreads between us (don’t worry though, you and your pet can’t get it from each other) the flu). ). this series of vaccines includes two doses, followed by an annual booster.
    • lyme: If your pet spends time outdoors or lives in certain areas of the country, your veterinarian may recommend a lyme vaccine. This tick-borne disease can start with relatively minor symptoms (reduced energy, loss of appetite, etc.) and progress to lameness, kidney failure, heart problems, or even neurological effects. This vaccine is given as a series of two injections with an annual booster. however, the lyme vaccine is not suitable for all pets, so check with your veterinarian.
    • fvrcp: Similar to the dhlpp vaccine in dogs, fvrcp is a five-in-one vaccine designed for cats. covers feline viral rhinotracheitis, calicivirus and feline panleukopenia. This vaccine is usually given to kittens at three to four week intervals until they are 16 to 20 weeks old and then given again a year later. it is repeated every three years.
    • pet wellness plans and their vaccination benefits

      While many pet insurance companies only offer accident and illness coverage, some also offer optional pet wellness plans. These plans are often available as an add-on to an existing insurance plan, although stand-alone coverage may also be possible. wellness plans often offer coverage for routine care, like immunizations.

      lots of pets

      note: manypets does not currently offer wellness plans. therefore, coverage for vaccines is not available at this time.

      the manypets wellness plan covers a variety of preventive care costs. Plans offer up to $600 per year in annual benefits, including routine exams, immunizations, dental cleanings, holistic care, and prevention or testing for fleas, ticks, and heartworms. coverage begins after a 24-hour waiting period.

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

      vaccinations covered by a manypets wellness plan

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