Direct answer
No, standard pet insurance policies typically only cover accidents and illnesses, meaning routine wellness exams and vaccinations require an additional add-on or wellness rider. You must evaluate if the added premium cost for these riders is lower than the out-of-pocket expense you would pay to your local veterinarian.
Standard policy sample documents and coverage exclusions provided by major pet insurance carriers. For additional information about industry standards and coverage definitions, see the North American Pet Health Insurance Association‘s website.
What this means for you
No, standard pet insurance policies typically only cover accidents and illnesses, meaning routine wellness exams and vaccinations require an additional add-on or wellness rider. You must evaluate if the added premium cost for these riders is lower than the out-of-pocket expense you would pay to your local veterinarian.
FARMER STOCKMAN
Protecting Your Future with Confidence
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This page is informational and not a coverage guarantee or quote.
