Does Pet Insurance Cover Medication?

Does Pet Insurance Cover Medication?

Which Companies Cover Medication?

Nearly all pet insurance providers offer some prescription medication coverage. These are our top-recommended companies’ policies for medication.

Spot Medication Coverage

Spot Pet Insurance offers a low-cost accident-only plana more comprehensive accident-and-illness plan, and two wellness add-ons. All policies cover medications to treat covered conditions, provided the medication is FDA-approved and prescribed by a licensed veterinarian. Experimental treatments and over-the-counter medications aren’t covered.

Unlike some other companies, Spot covers prescription food and supplements as long as they’re prescribed to treat a covered condition and not for general health or maintenance. The company’s Platinum preventive care add-on also offers $25 per year for flea and heartworm prevention, checkups and other routine vet visits.

Trupanion Medication Coverage

Trupanion has a single plan covering accidents and illnesses, including medications prescribed for either. Prescription food is covered at 50% for up to two months. Dietary supplements qualify for coverage if they’re prescribed to treat a covered condition and not for general health. Trupanion doesn’t offer wellness coverage, but its Recovery and Complementary Care add-on covers homeopathic and herbal remedies plus treatments such as acupuncture.

Fetch Pet Medication Coverage

Fetch by Dodo offers a single plan for accidents and illnesses but no wellness coverage. Its plan covers all medication prescribed for covered conditions, including chronic conditions and congenital conditions. Nutritional supplements are covered, but prescription food is not.

Embrace Medication Coverage

Embrace Pet Insurance’s single plan covers accidents and illnesses, including medication and homeopathic remedies prescribed to treat them. Embrace won’t cover flea, tick or heartworm prevention, nutritional supplements or prescription food unless you purchase its Wellness Rewards for Routine Care add-on.

Healthy Paws Medication Coverage

Healthy Paws’ accident-and-illness plan covers prescription medication for all covered conditions. It doesn’t cover herbal medicine or homeopathy, and there is no wellness add-on for preventive medications.

Figo Medication Coverage

Figo offers one accident-and-illness plan with optional “power-up” add-ons, including wellness care. It reimburses all prescription medication for covered conditions. You’ll need to add its Wellness Power-up for flea, tick and heartworm prevention coverage. Its Veterinary Exam Fees Power-up covers up to $250 of prescription food annually.

Pets Best Medication Coverage

Pets Best’s accident-only and accident-and-illness plans cover all FDA-approved, vet-prescribed medications for covered conditions. Some supplements and over-the-counter drugs are covered. You’ll need to add the Essential Wellness or Best Wellness add-on for heartworm medication coverage.


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