Low-Cost Pet Insurance That Covers Vaccinations

Pet insurance helps cover unexpected veterinary costs, but many pet owners also want a plan that includes routine care, such as vaccinations. While most standard pet insurance policies focus on accidents and illnesses, some providers offer affordable add-ons or wellness plans that cover vaccinations and other preventive care.

In this guide, we’ll explore:

1. Does Pet Insurance Cover Vaccinations?

2. Best Low-Cost Pet Insurance with Vaccination Coverage

3. Wellness Plans vs. Standard Insurance

4. What Vaccinations Are Typically Covered?

5. How to Choose the Right Plan

6. Tips to Save on Pet Insurance

Let’s get started!

1. Does Pet Insurance Cover Vaccinations?

Most basic pet insurance policies do not cover vaccinations because they are considered preventive care rather than unexpected medical expenses. However, some insurers offer:

 Wellness Riders (Add-Ons) – Optional coverage for routine care, including vaccines.
 Standalone Wellness Plans – Separate from accident/illness coverage, focusing on preventive care.

If you want a policy that includes vaccinations, you’ll need to look for a plan with a wellness add-on or a comprehensive preventive care package.

2. Best Low-Cost Pet Insurance That Covers Vaccinations

Here are some of the most affordable pet insurance providers that offer vaccination coverage:

A. Lemonade

• Wellness Add-On Cost: ~$15–$25/month

• Coverage Includes: Vaccines, flea/tick prevention, annual exams

• Best For: Budget-conscious pet owners (customizable plans)

B. Spot

• Wellness Add-On Cost: ~$9–$25/month

• Coverage Includes: Core vaccines, dental cleanings, blood tests

• Best For: Flexible coverage options

C. Embrace

• Wellness Rewards Plan: ~$18–$50/month

• Coverage Includes: Vaccinations, microchipping, grooming

• Best For: Reimbursement-based wellness benefits

D. Figo

• Wellness Power-Up: ~$9–$25/month

• Coverage Includes: Vaccines, heartworm tests, spay/neuter

• Best For: Tech-friendly pet owners (app-based claims)

E. Nationwide (Whole Pet with Wellness)

• Cost: ~$35–$70/month

• Coverage Includes: Full vaccine coverage + major medical

• Best For: Comprehensive all-in-one policies

Note: Prices vary based on pet age, breed, and location.

3. Wellness Plans vs. Standard Pet Insurance

 Smart Tip: Some insurers (like Lemonade and Embrace) let you bundle accident/illness + wellness for a discount.

4. What Vaccinations Are Typically Covered?

 

Most wellness plans cover core vaccines, such as:

• Rabies

• Distemper

• Parvovirus (for dogs)

• Feline leukemia (for cats)

Some plans also cover non-core vaccines (e.g., Bordetella, Lyme disease) but may have limits.

5. How to Choose the Right Plan

When comparing low-cost pet insurance with vaccination coverage, consider:

 Total Annual Cost – Is the wellness plan worth it vs. paying out-of-pocket?
 Reimbursement Model – Does the insurer pay a % or fixed amount per service?
 Coverage Limits – Some plans cap annual wellness benefits (e.g., $250/year).
 Exclusions – Are there breed-specific or age restrictions?

Example Calculation:

• Annual cost of vaccines without insurance: ~$100–$300

• Annual cost of wellness plan: ~$120–$300

• Savings? If the plan covers more than just vaccines (e.g., dental, flea meds), it may be worth it.

6. Tips to Save on Pet Insurance

1. Compare Multiple Quotes – Use sites like PetInsuranceReview to find the best deal.

2. Choose a Higher Deductible – Lowers monthly premiums.

3. Look for Discounts – Multi-pet, military, or annual payment discounts.

4. Pay Annually – Some insurers offer a 5–10% discount.

5. Only Add Wellness If Needed – If your pet is young/healthy, you might skip it.

Final Verdict: Is It Worth It?

If you want low-cost pet insurance that covers vaccinations, a wellness add-on from providers like Lemonade, Spot, or Embrace is a smart choice. However, if your pet is older or you rarely visit the vet, paying out-of-pocket for vaccines might be cheaper.

Do you have pet insurance with wellness coverage? Share your experience below!