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.

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.

EssentialWellness gets you $30 per year in vaccine and titer reimbursements, and BestWellness gets you $40 per year. 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. Pets Best's EssentialWellness plan costs $16/month,* and BestWellness costs $26/month. If your pet needs more than just vaccines, 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 (EssentialWellness 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.