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Does Pet Insurance Cover Vaccinations

published: 18 July 2022
Read time: 7 minutes

Usually, the cost of vaccinating your pet isn’t covered by pet insurance. However, keeping your pet’s vaccinations up to date can affect your premiums.

Usually, the cost of vaccinating your pet isn’t covered by pet insurance however, keeping your pet’s vaccinations up to date can make you eligible for cheaper premiums. It is also important to note that not having your vaccinations up to date can also affect your insurance.

When should my pet be vaccinated? 

Within the first few weeks of your pet’s life their mother’s milk will usually protect their immunity however, most pets including kittens, bunnies and puppies should have their first vaccinations between five and ten weeks old.  

After your pet’s first vaccinations, for protection against most diseases, they will need a booster jab yearly. However, for some jabs they will need a longer time between boosters.  

grey cat being stroked by a human

Why should my pet be vaccinated? 

Vaccinations protect your pet from highly contagious diseases such as respiratory tract infections and canine distemper and it also protects your pet against transmissible diseases such as rabies that not only pose a big threat to themselves but also to humans.  

If your pet isn’t vaccinated for illnesses and diseases that they end up getting, your insurance provider will not cover the expenses of the treatment for that illness if it could have been prevented with a vaccine.  

Vaccinations protect your pet against common and harmful illness and diseases. Most pets should get their vaccinations while they are young and are expected to have annual boosters to top up their immunity.  

Does pet insurance cover vaccinations?  

Vaccinations are not covered by pet insurance along with neutering and spaying. The cost of your pet’s vaccinations can vary depending on the type of pet you have and what you which vaccines you need. However, similar to having your pet neutered, having your pet’s vaccinations all up to date will enable you to be legible for lower insurance premiums as your pet will be less likely to get ill and need treatment due to any diseases that the vaccines prevent.

It is also important to note that if your pet contracts an illness or disease that could have been prevented with a vaccine, your insurance provider is unlikely to cover the expenses to treat your pet.  

Can my pet insurance void if my pet is not vaccinated? 

You are able to get a pet insurance without having your pets vaccinated however, this will leave you susceptible to higher premiums as well as putting your pet at risk of contracting diseases. Having your pets vaccinated can impact your insurance policy as it is also unlikely to cover any costs relating to any illnesses or disease that your pet contracts that could have been avoided with the appropriate vaccine.  

Will a vaccine protect my pet?  

In most cases, a vaccination is the best chance to protect your pet against diseases that could be fatal. Vaccines are not 100% effective so there is a chance your pet can contract a disease and get ill after it has been immunised and vaccinated however, if this does occur, the vaccine will enable your pet to tolerate and deal with the disease better than if they weren’t vaccinated.  

A vaccine will reduce the risk of your pet contracting these diseases significantly.  

Is vaccinating my pet dangerous?  

Vaccinations are a great way to give your pet immunity against the worst infectious diseases that could otherwise be quite fatal to your pet.  

Vaccination reactions are quite rare within dogs and cats however, any reactions are usually quite mild and short-term, and those reactions are usually good indicators that the vaccine is effectively stimulating your pets immune system.  

Vaccinating my older pet 

Keeping your pet’s vaccinations up to date is important to keep up throughout their entire lives especially when they start to become a senior pet (usually dogs over 8 years old). This is incredibly important for older pets as they are more susceptible to health issues and may find it difficult to effectively fight infections like younger pets do. 

Looking for great deals on your pet insurance? 

Comparing quotes on your pet insurance is easy with MoneySuperMarket. Simply give us a few details about your pet and we can give you our most competitive prices with the UK’s leading insurance providers.