While the pleasure and happiness that a pet brings to our lives are unforgettable–even living with them improves our mental health. Approximately, 66% of U.S. households own pets. So, it's our prior responsibility to take care of their health by our best means.

Purchasing pet insurance is an ideal way to do that, as it protects them from health problems and saves your bucks. However, not all pet insurance companies provide pet wellness plans that include vaccination and routine checkups.

So, investing in pet insurance that covers vaccinations and basic wellness plans is important. So, let's figure out its perks and the best companies that cover vaccination.

Importance Of Pet Vaccination

• Vaccination boosts your pet's immunity and prevents them from multiple diseases. In addition, pet owners must start giving vaccine booster shots at an early age to save them from viral and bacterial diseases.
• In the United States, it's mandatory to update pet vaccination and, most importantly, rabies vaccine. Some states make all pet vaccines compulsory, and you will be fined if you don't follow.
• Pet vaccines repel zoonotic ailments such as leptospirosis and rabies that can spread from pets to human beings.
• Even pet vaccination helps the spread of disease to other pets. When you immunize your pet on and off, then you also protect other pets from diseases because many pet diseases are transmittable.

Does pet insurance cover vaccinations?

Generally, the pet insurance policy doesn’t include vaccination as they are preventive and routine care. These standard pet insurance policies only add up the illnesses and injuries. Besides that, these preventive care checkups are out-of-pocket costs due to heavy vet bills.

However, there are pet insurance companies that cover vaccination with routine care like annual checkups, dental cleanings, and spay/neuter surgery. To avail of this routine care option, you must purchase a pet wellness plan or add-on apart from a traditional pet insurance policy.

Regardless of the wellness plan, it has some limitations based on the number and kind of vaccine. When your pet receives a vaccine from a veterinarian then you can file a claim for reimbursement according to your plan limit from the insurance company.

Best Pet Insurance That Covers Vaccinations

Some pet insurance companies offer vaccination coverage with add-ons at extra charges. Here are the best ones you can consider for your pet insurance vaccination.

Lemonade

Lemonade offers accident and illness insurance as well as wellness plans for pets. You can purchase their pet wellness policy for routine care like regular checkups and vaccinations. Their vaccination coverage has plans Preventative, Preventative+ and Puppy/Kitten Preventative.

Further wellness plans also cover different procedures like microchipping in addition to exam fees. Meanwhile, the Preventative plan includes three vaccinations, and the puppy/Kitten Preventative program covers six vaccinations.

Pros

• Wellness plans
• Lower pet insurance package prices as compared to others.
• Just a two-day waiting period for accident coverage.
• Offers live chat to ask pet health questions.

Cons

• Pet Age limit—under 14 years are eligible for insurance.
• Cruciate ligament coverage requires a six-month waiting period.
• Only accessible in 37 states.

Spot Pet Insurance

Spot offers the desirable selection of annual coverage for cats and dogs, so you can customize coverage levels to match the needs of your budget.

They provide spot gold and platinum preventive care add-ons that cover vaccination plans and exams with additional fees. It covers routine exams, screenings, teeth cleanings, and spaying or neutering.

Pros

• Wellness plan option along with accident and illness package.
• Wide range of options for annual coverage limits and covers unlimited coverage.
• No upper age limit for pets.
• 24/7 veterinary helpline

Cons

• Though there is no upper limit for enrollment, the Pets must be eight weeks old
• 14-day waiting period for accident coverage

Embrace

Embrace pet insurance includes vaccines as part of its wellness plan. Unlike the competitors, this plan wraps 100% of vaccine costs up to the annual limit. Embrace comes up with a 5 to 10% discount on pet insurance in addition to “Healthy Pet Deductible” free of charge.

Pros

• Provides various discount offers.
• 24/7 pet helpline for their health concerns and questions.
• Accident coverage has a waiting period of only two days.
• Pet Health deductible that reduces your deductible by $50 every year when you don’t file a claim.

Cons

• Higher cost than other pet insurance companies.
• For pet orthopedic conditions, the waiting period is six months long.

Pets Best

Best Pets is one of the well-known pet insurance policies that cover vaccination besides the standard plan. The Essential Wellness plan of pets best covers routine care, like vaccinations, exam fees, lab tests, microchipping and preventive medications.

Moreover, no deductibles are required to kick off the wellness coverage. Meanwhile, they offer a 5% discount on multiple pet insurance.

Pros

• There is no maximum age limit, and a seven-week-old pet can be enrolled.
• You can pay your vet directly, so you don't have to wait for reimbursement.
• The coverage waiting period for accidents is only three days.
• 24/7 Pet Healthline for queries regarding pet health.

Cons

• To get coverage, you have to wait for six months if your pet suffers from cruciate ligament issues.
• Behavior or alternative therapies are missing in their Essential plan. Though you can access the coverage on acupuncture and chiropractic care in the Pets Best Elite plan.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance provides a budget-friendly accident plan and a complete care plan at additional cost. ASPCA pet insurance have Preventative Basic and Preventative Prime add-ons with vaccination coverage.

The Preventative Basic includes the DHPP vaccine, rabies or Lyme vaccine, while the Preventative Prime add-on also offers an additional Bordetella vaccine.

Pros

• No Payout Limits over the pet’s lifetime.
• Preventative plans add-on facilitates vaccination, wellness exams and dental cleanings.
• Low annual deductible.
• Offers discounts for multi-pet enrollment.
• Provides microchipping coverage even without a supplemental wellness plan.

Cons

• You can’t have access to pay the vet directly.
• Lacks bilateral conditions coverage.
• Transaction fee will be charged for monthly premium expenditure.

Final Thought

Pet insurance that covers vaccination takes off overheads from your table. So, you don’t have to pay hefty costs for your pet routine care checkups. Various companies in the market come with cost-effective price rates so you can take care of your pet without breaking the bank.

However, there is no one-size-fits-all pet insurance package; you can choose them as per your budget and breed’s specific health risks.