Does pet insurance cover…?

Yes for dental illness (extractions, root canals, broken teeth) at most carriers — but cleanings require a wellness add-on, and pre-existing dental disease is universally excluded.

Not under base accident + illness plans. Spay/neuter is considered elective preventive care and requires a wellness rider.

Same as spaying — only with a wellness add-on, never under the base medical plan.

Never under base plans. Wellness/preventive add-ons reimburse $20–$30 per core vaccine.

No — universally excluded. The only exception: curable conditions (UTI, ear infection, kennel cough) become covered after a symptom-free waiting period at some carriers.

Only with a wellness/preventive rider — never under base plans.

Yes for environmental and food allergies diagnosed AFTER enrollment. No if your pet was already itching or on Apoquel/Cytopoint before you signed up.

Yes — prescription medications for covered illnesses are reimbursed at your normal coinsurance rate at every major carrier.

Some do — Embrace, ASPCA, Trupanion, and Pets Best cover behavioral consults with a board-certified veterinary behaviorist. Training is never covered.

Yes at Trupanion, Embrace, ASPCA, and Pets Best — acupuncture, chiropractic, hydrotherapy, and rehab are covered if vet-prescribed.