Pet insurance covers medications when your vet prescribes them to treat covered accidents or illnesses. You'll pay the full cost upfront at the pharmacy, then submit your receipt and vet records to your insurance company for reimbursement based on your plan's reimbursement rate after meeting your deductible.
Does Pet Insurance Cover Medication?
Updated: August 26, 2025
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Key Takeaways
Pet insurance provides coverage for medications to treat a covered condition.
All major pet insurance companies in our analysis cover prescribed medication in their standard policies, but only some like Fetch, Pumpkin and Spot include alternative medicines and treatments for behavioral conditions.
Consider pet insurance with medication coverage if your pet has chronic conditions, is aging or prone to allergies or anxiety.
How Does Pet Insurance Work for Medication?
What Covers Medication?
Whether medication is covered by pet insurance depends on your specific policy type and the reason your pet needs treatment. Here's what each type covers:
Accident-only policy
Covers prescription drugs needed after accidents like broken bones, cuts or swallowing foreign objects. You'll get reimbursed for antibiotics, pain medications and anti-inflammatory drugs prescribed for accident-related injuries.
Accident and illness plan
Covers vet-prescribed drugs for accidents and illnesses, including antibiotics, steroids, chronic condition medications and behavioral drugs like anxiety treatments. These plans also cover expensive treatments like chemotherapy drugs, insulin and specialized medications for conditions like epilepsy or heart disease.
Wellness plan
Covers preventive medications like routine flea prevention, heartworm medication and vaccination boosters that standard accident and illness plans don't cover. These add-on plans usually reimburse a set amount yearly for preventive care and work differently than standard policies; some have no waiting periods and use benefit limits instead of deductibles.
What Medications Are Not Covered?
Not all medications are covered by standard pet insurance policies, particularly those for pre-existing conditions (health issues your pet had before coverage began) and experimental treatments.
Pre-existing condition medications
Any medications for health conditions that existed before your policy started or during waiting periods won't be covered.
Over-the-counter medications
Non-prescription drugs, supplements and vitamins are generally excluded unless specifically prescribed by a veterinarian for a covered condition.
Experimental treatments
Unproven medications, clinical trial drugs or experimental therapies are typically excluded from coverage. Most insurers only cover FDA-approved medications and established treatment protocols.
What Has Medication Coverage?
Based on our analysis of major pet insurance companies, prescription medication coverage is included in accident-only and accident and illness policies. Coverage vary by state and individual policy terms, so comparing specific plan features helps you find the best fit for your pet's medication needs.
AKC | ✓ | ✓ | ✓ |
ASPCA | ✓ | ✓ | ✓ |
Embrace | ✓ | ✓ | ✓ |
Fetch | ✓ | ✓ | ✓ |
Figo | ✓ | ||
Healthy Paws | ✓ | ✓ | |
Lemonade | ✓ | ||
Liberty Mutual | ✓ | ✓ | ✓ |
MetLife | ✓ | ✓ | ✓ |
Nationwide | ✓ | ||
Pets Best | ✓ | ✓ | ✓ |
Prudent Pet | ✓ | ✓ | ✓ |
Pumpkin | ✓ | ✓ | ✓ |
Rainwalk | ✓ | ||
Spot | ✓ | ✓ | ✓ |
Trupanion | ✓ | ||
Wagmo | ✓ | ✓ | |
*Coverage details also vary by state and individual policy terms. Always review your specific policy documents for exact coverage terms and exclusions.
Do You Need Medication Coverage?
Whether you need medication coverage depends on your pet's situation and budget. Medication coverage helps most when your pet has health issues requiring prescription treatments that cost hundreds or thousands of dollars yearly. Consider these factors to decide what's right for your pet and wallet.
- 1
Your pet has chronic conditions
Pets with diabetes, epilepsy, heart disease or arthritis need ongoing medications that can cost hundreds of dollars monthly. Without insurance, you'll pay these costs out-of-pocket for years. Medication coverage can reimburse 60% to 90% of these recurring prescription expenses after meeting your deductible.
- 2
Your pet is prone to allergies or anxiety
Dogs and cats with seasonal allergies, food sensitivities or behavioral issues often need prescription treatments like antihistamines, steroids or anti-anxiety medications. These conditions frequently require trial periods with different medications to find effective treatments. Coverage helps you afford multiple treatment options without worrying about the expense.
- 3
Your pet is aging or a high-risk breed
Senior pets and breeds prone to health issues like German Shepherds (hip problems) or Bulldogs (breathing issues) need more medications. Age-related conditions often require multiple daily medications that get expensive fast. Getting coverage before problems develop means you won't face exclusions for pre-existing conditions.
Pet Insurance for Medication: Bottom Line
Pet insurance helps pay for medications prescribed for new accidents or illnesses. All major insurers cover prescription medications, but only a few like Fetch, Pumpkin and Spot include alternative treatments and behavioral medications. Consider your pet's age, breed and health to decide if medication coverage makes sense for you.
Pet Insurance That Covers Medication: FAQ
Here are answers to common questions about pet insurance medication coverage:
What pet insurance covers medication?
All major pet insurance companies cover prescription medications in their accident-only and accident and illness plans. But coverage for behavioral medications and alternative medicines varies widely by company.
Does pet insurance cover flea medication?
Most pet insurance plans cover flea medication when your vet prescribes it for treating an active flea infestation or flea-related conditions like flea allergy dermatitis. But routine flea prevention medications are only covered under optional wellness plans you can add to your base policy.
Does pet insurance cover anxiety medication?
Most pet insurance plans cover anxiety medications when your vet prescribes them for diagnosed anxiety disorders. This includes medications like fluoxetine, sertraline and trazodone for behavioral conditions. You'll need a vet diagnosis and prescription, with standard waiting periods of 14 to 30 days.
Does pet insurance cover over-the-counter medications?
Pet insurance usually doesn't cover over-the-counter medications, supplements and vitamins unless your vet specifically prescribes them for a covered condition. Even with a vet prescription, some insurers might still exclude these items.
What if my medication claim is denied?
If your medication claim is denied, first review the denial reason provided by your insurer. Common reasons include pre-existing conditions, waiting periods not yet met, or medications falling outside your policy coverage. You can appeal the decision by providing additional documentation from your veterinarian or medical records supporting the claim.
Can I use any pharmacy for pet medications?
You can use any licensed pharmacy for pet medications with most insurance plans, including your vet clinic and local pharmacies. You'll pay upfront and submit receipts for reimbursement no matter which pharmacy you pick.
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.