Does Pet Insurance Cover Prescription Food

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Most pet owners overlook pet insurance coverage for prescription food. It may not be an essential factor in buying an insurance plan, but it’s still worth it to consider. This type of diet is usually expensive, unlike the usual food you feed your dogs and cats. So, how does your insurer cover prescription food?


What is Prescription Food for Pets?

Prescription food is a special diet that includes specific ingredients to treat various illnesses. Manufacturers scientifically make it to satisfy your pet’s nutritional needs. However, you can only buy this exceptional pet food with a vet’s prescription as it’s exclusively for pets that are sick or unable to eat their regular diet.

The following are common pet conditions that require prescription food:

  • Arthritis
  • Skin issues
  • Renal problems
  • Dental problems
  • Post-surgery
  • Diabetes
  • Allergies
  • Weight management
  • Cancer
  • Heart ailments
  • Gastrointestinal problems
  • Kidney problems

Some of the most popular pet food brands that offer prescription diets are Royal Canin, Purina, Iams, and Hills. However, you can also take advantage of a pet insurance plan covering these particular types of food for pets with certain illnesses.


Pet Insurance Coverage for Prescription Diets

Having pets at home is one of the most rewarding experiences one can have. However, it can also give you a significant amount of stress, work, and money, especially when your pet is sick. Therefore, it’s essential to understand what your insurance policy covers. Does it cover prescription food if your pet needs to go on a special diet to heal from an injury or medical condition?

Some insurance companies provide coverage for prescription food. Without an insurance plan, it will surely be expensive to bring your pet to the vet. Good thing there are pet insurance policies that can help you manage vet fees every time your pet is sick. Suppose you’re asking if your insurance covers prescription food. Well, it depends on your policy.

It’s highly recommended that you read the terms and conditions before enrolling your pet in an insurance plan.

Discover here some pet insurance companies that cover prescription pet diets:

· Embrace Pet Insurance. It covers prescription food under their pet wellness policy, which should be bought along with an illness or injury plan.

· Pet First Insurance. It covers prescription food, but at 25% only of the total cost. There is also a yearly limit for this coverage, which is $250. You need to buy this coverage as an add-on.

· ASPCA Pet Health Insurance. It covers prescription food if it’s used in treating covered medical conditions.

· Trupanion Pet Insurance. It covers prescription food, but make sure to understand the conditions covered by the policy.


There are different types of prescription diets for pets. However, you need to consult your veterinarian before giving your pet any of these prescription foods to avoid adverse effects. Keep in mind that these special diets are different for dogs and cats. So, does your pet insurance plan covers prescription food for your beloved furbaby?

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