Pet insurance covers anxiety medication when a licensed veterinarian prescribes it to treat a new anxiety disorder. Most insurance providers require the medication to address a specific medical issue rather than general behavioral training. You'll typically pay the vet upfront, then receive money back based on your reimbursement rate minus the deductible, after filing a claim.
Does Pet Insurance Cover Anxiety Medication?
Updated: September 16, 2025
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Key Takeaways
Pet insurance covers anxiety medication when veterinarians prescribe it for new behavioral conditions, but pre-existing anxiety disorders are excluded from coverage.
Most major pet insurers, including ASPCA, MetLife and Pumpkin include anxiety medication coverage in their standard accident and illness plans, at no additional cost.
Consider pet insurance that covers anxiety medication if your pet's breed is anxiety-prone, you live in a high-stress environment or you want financial protection against monthly medication costs.
How Does Pet Insurance Work for Anxiety Medication?
What Covers Anxiety Medication?
Comprehensive accident and illness policies usually provide coverage for anxiety medication like Fluoxetine, Amitriptyline and Clomicalm when prescribed by a licensed vet for covered behavioral conditions. Anxiety disorders that developed before enrollment or during the waiting period are considered pre-existing and excluded from coverage. Also, some insurers may require you to purchase an additional rider for prescription medications or behavioral conditions.
Who Has Anxiety Medication Coverage?
Most pet insurance companies reimburse the costs of anxiety medication for covered conditions. Check the table below to see which insurers include this coverage in their standard plans and which require you to purchase an add-on for your base policy.
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 Anxiety Medication Coverage?
Most accident and illness policies cover prescribed anxiety medication to treat new behavioral conditions. However, some providers require you to purchase an additional rider for coverage, so consider these factors when choosing your policy.
- 1
Your pet’s breed and age
Certain breeds are prone to anxiety-related behaviors, including German Shepherds, Border Collies and rescue dogs with unknown histories. Senior pets may also develop anxiety as cognitive function declines or health issues increase their stress levels. Similarly, young animals going through major life changes like moving or family additions face higher anxiety risks.
- 2
Your location
Pets living in high-stress environments like busy urban areas, homes with multiple animals or families with frequent schedule changes face greater anxiety risks. Noise-sensitive pets in areas with construction, traffic or frequent storms may need calming medication. Consider coverage if your lifestyle or living situation might trigger anxiety behaviors in your pet.
- 3
Your financial situation
Anxiety medications for pets can cost $50 to $200 monthly, depending on the drug and your pet's size. Without insurance, you'll pay these ongoing costs out-of-pocket for potentially years. Having coverage means you’ll be reimbursed 60% to 90% of prescription costs after meeting your deductible, making treatment more affordable.
Does Pet Insurance Cover Anxiety Medication?: Bottom Line
Getting pet insurance before anxiety symptoms appear gives your pet access to behavioral treatments that can cost hundreds of dollars monthly. Providers like ASPCA, MetLife and Pumpkin make anxiety medication affordable by covering these prescriptions in their standard policies. If your pet's breed tends toward anxiety or your home environment creates stress, getting coverage before problems develop can protect your finances and support your pet's health needs.
Does Pet Insurance Cover Anxiety Meds?: FAQ
We’ve compiled frequently asked questions about pet insurance that covers anxiety medication below:
What anxiety medications does pet insurance usually cover?
Pet insurance covers veterinarian-prescribed anxiety medications, including Fluoxetine, Amitriptyline and Clomicalm for new behavioral conditions. Coverage applies when a licensed vet prescribes these medications to treat specific anxiety disorders that developed after enrollment and any waiting periods.
Do I need to purchase a separate rider for anxiety medication coverage?
Most major insurers like ASPCA, Embrace and Fetch include anxiety medication coverage in their standard accident and illness plans at no extra cost. However, some providers like Lemonade and Figo offer this coverage only through optional add-ons. Check your specific policy details to confirm the exact inclusions and exclusions.
Are pre-existing anxiety conditions covered by pet insurance?
No, anxiety disorders that developed before enrollment or during the waiting period are considered pre-existing and excluded from coverage. However, new anxiety disorders that develop after your waiting period ends would be eligible for coverage under most policies.
Which dog breeds are most prone to anxiety and need medication coverage?
German Shepherds, Labrador Retrievers and Border Collies are particularly prone to anxiety-related behaviors, along with rescue dogs with unknown histories. These breeds often develop separation anxiety, destructive behaviors or stress-related conditions that may require medication.
How does the reimbursement process work for anxiety medications?
You'll pay the vet upfront, then file a claim to receive reimbursement based on your reimbursement rate minus the deductible.
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.