Routine vaccines are preventive care, covered only with a wellness add-on, not by core insurance.
Standard accident-and-illness insurance pays for treating problems, not for preventing them, so core plans don't reimburse vaccines.
Optional wellness plans reimburse a set amount toward vaccines, exams, and parasite prevention each year.
Add-ons make the most sense if you'll use most of the included benefits; otherwise paying out of pocket can be cheaper.
Add up the routine care your pet actually needs each year, then see whether a wellness add-on beats paying directly.
Try next: Is pet insurance worth it? · Reimbursement calculator · Vet cost estimator
Routine vaccines are preventive care, covered only with a wellness add-on, not by core insurance.
Yes. Pet insurance never covers pre-existing conditions, so enrolling while your pet is young and healthy is when coverage is broadest and cheapest.
After your deductible, the insurer reimburses your plan percentage (commonly 70%, 80%, or 90%) up to your annual limit. Use the reimbursement calculator to see the exact figure for any bill.