[Narwal]

Does pet insurance cover visits to the vet?

[Sally Jones]

Hi Narwal, The short answer is that it depends on the pet insurance company. Some companies include veterinary examination fees in their standard policies (e.g., Fetch Pet Insurance). With many others, you can add vet visit costs to their plan for an added premium fee (e.g., Pets Best, Embrace, Figo, etc). However, a select few don’t offer coverage at all for exam fees, including Healthy Paws and Trupanion. I encourage you to see our pet insurance comparison article to see more details about what the top-rated pet insurance providers offer. And please let us know if you have any other questions!

[Narwal]

Thanks Sally this is very helpful. As a follow-up question, assuming my pet insurance provider does cover vet visits, do all veterinarians accept pet insurance?

[Sally Jones]

The short answer to your question is yes, as long as they’re licensed veterinarians. But, just to clarify, pet insurance differs from human health insurance. It’s not really a matter of whether a vet accepts pet insurance because, typically, you pay your vet upfront, and then you submit a claim with your pet insurance company for reimbursement. (Although a select few companies have systems to pay vets directly.) In any case, you should have no problems with coverage assuming your vet is fully licensed. Hope this helps!

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