Does pet insurance cover vaccines?
Vaccines are routine care, so the base policy leaves them out. What each insurer's wellness option pays per vaccine.
Updated October 6, 2026. Plan facts come from each insurer's published documents; each insurer's policy documents control.
The short answer
Not under the accident and illness policy: all seven insurers we could check treat vaccines as routine care. Six sell a wellness option that pays toward them, from $15 for rabies at Odie and Pets Best to $25 per vaccine at Fetch and Spot, while Healthy Paws covers no routine care.
What will it cost for your dog?
Pick your breed, age and ZIP code to see the estimated monthly price from the insurers we compare.
Vaccines, by insurer
| Insurer | Vaccines | Notes |
|---|---|---|
| Embrace | Excluded; Wellness Rewards $300/$500/$700[1] | Wellness Rewards add-on reimburses vaccinations and other preventative care up to the chosen $300, $500 or $700 annual plan. |
| Fetch | Wellness add-on: up to $25/vaccine, $100 total[2] | Vaccinations are covered only with the Fetch Wellness add-on, up to $25 per vaccine or $100 total; base policy excludes vaccinations. |
| Healthy Paws | Not covered[3] | Vaccinations and titer tests are excluded as preventive healthcare; wellness and preventive care are not covered. |
| Lemonade | Excluded from base; preventative package covers[4] | The policy does not cover preventative services, including vaccinations; some preventative care services may be added to the policy. |
| Odie | Routine care add-on: rabies $15, vaccination/titer $30-$40[5] | Routine care add-on covers rabies vaccination ($15) and vaccination/titer ($30 Basic, $40 Plus); base policy excludes routine care. |
| Pets Best | Wellness add-on only; $15 rabies plus $30-$40[6] | Wellness pays rabies up to $15 and vaccination/titer up to $30 (Essential) or $40 (Best) a year; amounts vary by state. |
| Spot | Platinum add-on: $25 per vaccine group[7] | Platinum preventive endorsement pays up to $25 each for bordetella, DHLPP, and rabies and/or lyme per year. |
| Trupanion | Not verified yet | Trupanion's website blocks automated requests, so we could not check this against its policy yet. Ask Trupanion directly. |
From each insurer's own sample policy, terms or FAQ, checked October 6, 2026. Terms vary by state and plan, and the policy you buy controls.
Check how this applies to your breed
What this means for your dog
Vaccines are predictable costs, which is why insurers keep them out of the main policy. A wellness add-on is closer to a prepaid budget than insurance: it pays fixed amounts per item, up to a yearly cap. Fetch pays up to $25 per vaccine and $100 a year; Spot's Platinum pays $25 each for bordetella, DHLPP and rabies or lyme; Odie and Pets Best pay $15 for rabies plus $30 or $40 for other vaccinations or titers.
Add up the vaccines your dog needs this year at your vet's prices, with the exam and other preventive care you would buy anyway, and compare it with the add-on's cost. Puppies, with their series of shots, tend to get the most from it. When wellness plans pay for themselves.
Embrace's Wellness Rewards works differently: instead of per-vaccine amounts, it reimburses vaccinations and other preventive care up to a yearly plan amount of $300, $500 or $700. Pick the plan that matches what you actually spend on routine care.
Before you buy
- List the vaccines your dog needs this year and your vet's price for each.
- Check the add-on's amount per vaccine and its yearly cap.
- Read whether the policy excludes illnesses a vaccine would have prevented.
- Make sure accident and illness cover comes first in your budget.
Questions owners ask
Does pet insurance cover vaccinations?
Not under an accident and illness policy. Embrace, Fetch, Lemonade, Odie, Pets Best and Spot offer wellness options that pay toward vaccines; Healthy Paws does not cover them.
How much does a wellness plan pay for vaccines?
Fetch pays up to $25 per vaccine ($100 a year); Spot Platinum pays $25 each for bordetella, DHLPP and rabies or lyme; Odie and Pets Best pay $15 for rabies plus $30 or $40 for vaccination or titer.
Are puppy shots covered by pet insurance?
Only through a wellness add-on, up to its per-vaccine amounts. The accident and illness policy does not pay for them.
Sources
- What is Embrace's Wellness Rewards?. Embrace Pet Insurance.
- Does pet insurance cover vaccinations & shots? | Fetch FAQs. Fetch.
- Frequently Asked Questions | Healthy Paws. Healthy Paws.
- Lemonade Pet Health Insurance sample policy LEM-PET (04-21), New Jersey example. Lemonade, 2021.
- Help Center - Odie Pet Insurance. Odie Pet Insurance.
- Routine Care and Pet Wellness Coverage | Pets Best. Pets Best Insurance Services.
- Preventive Care Amendatory Endorsement: Platinum (sample). Spot Pet Insurance.
How we choose and check sources: Sources we use.
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