Does Pet Insurance Cover Medications?

Whether you have a dog or a cat, you likely have some form of pet insurance. And if you have a pet that suffers from any ailment or injury, chances are good that the insurance policy will cover those costs. But what about medications? Do pet insurance policies cover prescriptions for your pet? And if so, are there any limitations on the types of medications that can be covered? In this blog post, we’ll answer these questions and more. We’ll also outline the steps you need to take if you find that your pet’s medication has been denied coverage by your insurance company.

Does Pet Insurance Cover Medications?

Pet insurance policies typically do not cover medications. This may change, so be sure to ask your insurer if they have any coverage limits or exclusions for medications. Some pet insurers have specific medication policies that are more comprehensive than others, so it is worth checking with them. If your pet requires medication regularly, it may be worth considering a prescription plan specifically for pets.

Types of Pet Insurance

There are a variety of pet insurance policies available, with different coverages for medicines. Policies typically cover veterinary bills, but may not cover medications.
Some policies do not have a medication coverage exclusion, while others have specific exclusions for prescription drugs.
When considering whether to buy pet insurance, be sure to ask the policy definition of “medications” and review the list of covered expenses.

Coverage for Medications

When it comes to medications prescribed for your pet, many people are unsure what type of coverage their pet insurance policy offers. In general, most pet insurance policies will cover medications for your pet if they are prescribed by a veterinarian. However, some policies may not cover all medications and may only cover specific brands or types of medications. If you have questions about your policy’s coverage for medications, contact your insurance company or speak with a representative from the insurer’s customer service department.

What to do if your Pet Gets Sick

If your pet gets sick, there are a few things you can do to help them get better as quickly as possible. For example, give them fluids and electrolytes to rehydrate them, give them antibacterial medication to fight the infection, and give them over the counter pain medication if needed. If your pet is vomiting or has diarrhea, make sure they are getting enough water and food to stay hydrated and active.

If your pet is in pain, try to keep them comfortable by providing plenty of cuddle time and soft bedding. In most cases, if your pet takes their medications as prescribed by their doctor, they should be just fine. However, it’s always best to check with your veterinarian before starting any new medication regimen because some medications may interact with other treatments your pet may be taking.


So, you’ve decided to bring a pet into your life. Congratulations! It’s not a decision you take lightly and there are plenty of things to consider before making the leap. One of the first things you’ll need to do is decide whether or not pet insurance covers medications for your new furry friend. While it may seem like a small thing, ensuring that your pet has access to necessary medication can be crucial in their overall health and well-being. Weigh the pros and cons carefully before making any decisions, as every animal is different and will require unique care depending on their medical condition.