Updated: August 29, 2025
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Pet insurance covers bloodwork for diagnosing illnesses and treating covered conditions through standard plans, with wellness plans covering routine annual tests.
Major companies like Fetch, Lemonade and MetLife offer comprehensive bloodwork coverage through standard policies and optional wellness plans.
Calculate annual bloodwork costs, compare wellness plan pricing and consider your pet's age to determine if additional bloodwork coverage makes financial sense for your situation.
Bloodwork involves laboratory testing of your pet's blood to diagnose illnesses, monitor chronic conditions or check organ function during routine wellness exams. Pet insurance covers bloodwork when it's needed to diagnose or treat a covered condition, but coverage depends on your specific policy type.
You'll pay the vet bill upfront, then file a claim with your insurer and receive reimbursement (based on your policy’s reimbursement rate) after meeting your deductible.
Each type of pet insurance covers bloodwork differently, so understanding your policy type helps you know what to expect when filing claims.
These policies cover bloodwork only when it's directly related to treating a covered accident, such as blood tests to check for internal bleeding after a car accident or toxicology tests if your pet ingests something harmful.
These plans provide coverage for bloodwork when it's used to diagnose or treat covered illnesses like diabetes, kidney disease or infections. Bloodwork for conditions that developed before enrollment or during your policy’s waiting period won’t be covered.
These optional add-ons cover preventive care including routine bloodwork during annual exams. Most wellness plans set annual limits for lab work and will no longer cover the costs once you reach a certain amount.
Most pet insurance companies cover bloodwork through their standard policies when it's directly related to a covered accident or illness. The table below focuses on how insurers provide coverage for routine bloodwork in their wellness plans.
AKC | $50 annually under Defender, $70 annually under DefenderPlus |
ASPCA | $25 annually under Prime |
Embrace | *$300, $500 or $700 annually under Wellness Rewards |
Fetch | $10 annually under Essentials, $25 annually under Advantage, $30 annually under Prime |
Figo | *$20 annually under Basic, $45 annually under Plus |
Healthy Paws | No wellness plans |
Lemonade | *$180 annually under Routine Vet Care and Routine Vet Care Plus |
Liberty Mutual | Not included in preventive care coverage |
MetLife | *$65 annually under Preventive 365, $100 annually under Preventive 575 |
Nationwide | *$100 annually under Level 2 |
Pets Best | *$90 annually under EssentialWellness, $125 annually under BestWellness™ |
Prudent Pet | $35 annually under High |
Pumpkin | $50 annually under Essential and $100 annually under Premium for Dog Wellness Plans, $75 annually under Prime for Cat Wellness Plans |
Rainwalk | No wellness plans |
Spot | $25 annually under Platinum |
Trupanion | No wellness plans |
Wagmo | $100 annually under Value, Classic and Deluxe |
*Maximum annual benefits also include other health screen tests.
Coverage details vary by state and individual policy terms. Always review your specific policy documents for exact coverage terms and exclusions.
Your standard policy already covers bloodwork for covered conditions, but you might benefit from adding a wellness plan for routine blood tests. Follow the steps below to determine if additional bloodwork coverage makes financial sense for your situation.
Ask your vet what they charge for annual wellness blood panels and any breed-specific tests your pet might need. Senior pets may need bloodwork twice yearly, doubling these expenses.
Add up the monthly cost of a wellness plan over 12 months and compare it to your annual bloodwork expenses. Many wellness plans cost $15 to $30 per month, which equals $180 to $360 annually.
Senior pets may need bloodwork twice yearly to monitor organ function and catch age-related diseases early. Younger, healthy pets might only need annual screening, making wellness coverage less cost-effective.
Most wellness plans cover vaccines, dental cleanings and parasite prevention alongside bloodwork. Calculate the total value of all covered services to see if the plan provides overall savings.
If you can afford unexpected bloodwork costs and prefer lower monthly premiums, skip the wellness plan. Choose wellness coverage if you prefer predictable monthly costs and want to spread expenses throughout the year.
Pet insurance gives you financial protection for bloodwork directly related to covered accidents or illness. Companies like Fetch, Lemonade and MetLife include bloodwork coverage in both standard policies and wellness plans. That said, purchasing additional coverage for routine bloodwork only makes financial sense if the annual cost is less than your expected bloodwork expenses.
We’ve addressed common pet owner concerns about pet insurance coverage for bloodwork in these frequently asked questions:
Standard pet insurance policies don't cover routine bloodwork for healthy pets unless you add a wellness plan. This typically costs $15 to $30 monthly and provides $10 to $700 annually for bloodwork, depending on your provider and plan level.
Pet insurance won't cover bloodwork related to pre-existing conditions, which are health issues that developed before enrollment or during your policy's waiting period.
Standard pet insurance covers diagnostic bloodwork when investigating health problems in senior pets, just like younger animals. However, routine wellness bloodwork requires a separate wellness plan, making coverage more valuable for older pets who need frequent monitoring.
Diagnostic bloodwork investigates specific symptoms or monitors known conditions and is covered under standard accident and illness policies. Examples include testing for diabetes when your pet shows excessive thirst or monitoring kidney function in pets with kidney disease. Routine bloodwork screens healthy pets during annual exams and requires separate wellness coverage.
You'll pay your vet upfront for bloodwork, then file a claim with your insurer for reimbursement based on your policy's reimbursement rate after meeting your deductible. Submit your itemized veterinary invoice and medical records through your insurer's mobile app or website. Most companies process bloodwork claims within 5 to 15 days.
Most pet insurance companies only allow you to add wellness coverage during your annual renewal period, not mid-policy. If you're considering wellness coverage for routine bloodwork, add it when initially enrolling or wait until your policy renewal date to avoid coverage gaps.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
