Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Nov 17, 2020

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

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We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

Vaccinations are extremely important to your pet’s health. They help prevent your pet from contracting and spreading infectious diseases. This ensures that your pet can live a long and happy life without the risk of certain illnesses.

As a pet owner, it is important that you don’t overlook getting the proper vaccines for your pet. If you are concerned about the cost, pet insurance may be able to help you.

Many pet insurance companies offer vaccine coverage as part of wellness coverage, but it is important to look at a company’s policy on vaccine coverage before signing on the dotted line.

For more information about whether pet insurance covers shots, check out our article below for the full scoop.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Does Pet Insurance Wellness Plans Cover Shots?

Pet insurance is meant to help cover unexpected veterinary costs in case anything happens to your pet.

There are also some pet insurance companies that will sell you coverage to help with expected costs, such as routine vet visits and vaccinations. This is known as wellness coverage, and it is offered by several pet insurance companies.

Wellness coverage is a type of comprehensive coverage that is meant to cover preventative and routine pet expenses. Preventative measures help prevent greater disease later in life, so insurance companies do actually have an incentive to cover these expenses.

Routine vet visits, vaccinations, dental cleanings, and other common costs may be covered under a typical wellness policy.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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Types of Vaccines

Vaccines help prepare the immune system to fight off a disease in case it enters the body. They introduce antigens to imitate an infection without actually developing into the disease itself. This causes the body to produce antibodies that can fight off future infections.

Vaccines can prevent disease in your pet, and they can also prevent the spread of disease to other animals. If your dog frequents a dog park, they may be more likely to pick up a disease from other animals.

There is also a possibility that they themselves could spread disease. It is essential to your pet’s health that you properly vaccinate them so that they aren’t at risk of catching or spreading disease.

The different vaccines that an animal needs will differ between dogs and cats.

Core Vaccines for Dogs

Core vaccines for dogs include canine:

  • Distemper
  • Parvovirus
  • Hepatitis
  • Rabies

Most vets will also recommend that your dog receives vaccines for leptospirosis and kennel cough.

Core Vaccines for Cats

Core vaccines for cats are:

  • Feline calicivirus
  • Herpesvirus type I
  • Distemper
  • Rabies

Your vet may also recommend vaccines for leukemia virus, Bordetella, and feline immunodeficiency virus.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Pet Insurance Companies that Cover Shots

Here are a few pet insurance companies that cover vaccinations and shots:


Nationwide’s Whole Pet and Wellness plan covers preventative care, including vaccines and shots. This is their most comprehensive plan covering accidents, illnesses, and a range of routine and wellness expenses.

However, it is slightly more expensive than other options, so it may not be the best option for you and your pet.

Nationwide also offers their Pet Wellness Plan separately if you are only interested in covering routine expenses with your pet insurance policy.

This plan will cover vaccines, microchipping, routine visits, and other common costs. It is a more affordable pet insurance plan than their comprehensive coverage, so it is worth considering if you only want routine care covered.

Learn More: Read our full Nationwide Pet Insurance Review

Fetch Rates with Nationwide


Embrace offers their Wellness Rewards on their Routine Care package, which will cover vaccines and other routine expenses. They give policyholders three different annual payout options.

You can choose to have Embrace cover $250, $450, or $650 of wellness expenses each year.

The only drawback to this package is that it cannot be purchased individually. You must have an existing accident and illness policy in order to add on their Routine Care package.

If you are only concerned with covering routine expenses with your insurance policy, this may not be the policy for you.

Learn More: Read our full Embrace Pet Insurance Review

Fetch Rates with Embrace

Pets Best

Pets Best offers routine care and a pet wellness plan, which will cover vaccines and shots. Their pet wellness plan has two tiers, either of which can be added to a base plan at an additional cost.

The first tier covers vaccines, shots, blood work, dental cleaning, spay/neuter procedures, and other routine expenses. The second tier includes all of the expenses of the first tier, as well as acupuncture, chiropractic care, and other rehab therapies.

Pets Best will pay $30 to $40 towards vaccines each year with no deductible, but the amount they pay will ultimately be dependent on which plan you choose.

Learn More: Read our full Pets Best review

Fetch Rates with Pets Best

Does Your Pet Need Insurance For Vaccination Coverage?

Vaccines and shots are very important to your pet’s health. If you are interested in an insurance policy that will help you pay for vaccine costs, there are great pet insurance companies that offer plans for this.

As always, shop around for your insurance policy to make sure that you are getting the one that is best for your finances and your pet’s health. We have plenty of guides to help you compare insurance companies and learn more about pet insurance.

For more information, be sure to check out some of our other articles to learn more.


Other articles you may find helpful: 


Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


Pet insurance is similar to other insurances but does have some major differences as compared to your health insurance. Below you will find a definitive list of frequently asked pet insurance questions to help in your decision.


What is Pet Insurance

Types of Pet Insurance Coverage

Comprehensive Pet Insurance Explained

Accident Only Pet Insurance

Pet Wellness Plans

Insurance vs. Wellness Pet Insurance Plans

Is Pet Dental Insurance Worth the Extra Cost

How does Pet Insurance work

Best Pet Insurance Plans with Shortest Waiting Periods

Pet Insurance Deductibles

Pet Insurance Coverage Exclusions and Limits

Pet Insurance Reimbursements

Pet Insurance Benefit Limits Explained

How to Make a Claim on your Pet Insurance

Is my Pet too Old for Pet Insurance Coverage

Top Reasons to Purchase Pet Insurance

How much does Pet Insurance Cost

Is Pet Insurance Worth It

Compare Pet Insurance

Pet Insurance for Multiple Pets

Pet Insurance that Covers Spaying and Neutering

Does Pet Insurance Cover Shots

Pet Insurance with Pre-Existing Conditions