Does Pet Insurance Cover End-of-Life Care? (2023 Guide)
In general, most pet insurance providers will cover putting animals to sleep if your vet recommends it because of a covered condition and the waiting period has passed. There are usually exclusions for preexisting conditions and cremation or burial expenses, but some providers will also cover these end-of-life costs.
Lemonade’s single accident-and-illness plan doesn’t cover putting animals to sleep, but you can purchase an end-of-life add-on for an extra $3.75 per month. This add-on covers vet-recommended euthanasia and cremation and commemorative items like urns, framed pictures and even tattoos. You’ll receive up to $500 of coverage which isn’t subject to the usual deductible or preexisting condition restrictions. However, it won’t cover burial or funeral costs and is subject to the standard waiting period of two days for accidents and 14 days for illnesses.
To learn more: Lemonade pet insurance review
Embrace Pet Insurance covers euthanasia under its single accident-and-illness policy if it’s recommended for humane reasons and the result of a covered condition. That means it won’t be covered if it’s recommended due to a preexisting condition. If you add Wellness Rewards to your plan for an extra $18.75 to $52.09 a month, you can also receive reimbursement of up to $650 for cremation, burial and keepsake items. With this add-on, you’ll also be covered for routine care like regular checkups, spaying/neutering, vaccinations and heartworm medication.
To learn more: Embrace pet insurance review
Spot offers both accident-only coverage and accident-and-illness coverage. Both of these plans cover end-of-life expenses including putting animals to sleep, cremation and burial when they result from a covered condition. That means if you have inexpensive accident-only coverage, your plan would only cover end-of-life expenses if your pet died or was recommended for being put to sleep as the result of an accident, not an illness. Related expenses like funerals, memorial items and burial plots are generally not covered.
To learn more: Spot pet insurance review
Figo’s single accident-and-illness plan covers putting animals to sleep, but there aren’t many specifics available about the coverage. If you add the Extra Care Pack Powerup for about $6.62 a month, you can receive up to $250 of coverage for cremation or burial costs. This add-on also provides coverage for boarding, vacation cancellation and lost or stolen pet expenses.
With Trupanion’s accident-and-illness plan, you’ll receive coverage and 90% reimbursement for costs of putting an animal to sleep. The basic plan doesn’t cover other end-of-life expenses, but adding the Pet Owner Assistance Package for $4.95 a month will cover cremation or burial for accidental deaths. Cremation or burial resulting from illnesses, congenital conditions or hereditary conditions are not eligible for coverage.
To learn more: Trupanion pet insurance review
Pets Best Coverage
Pets Best’s BestBenefits accident-and-illness coverage includes putting an animal to sleep “for humane reasons.” There are add-on options for wellness plans, but they don’t include any additional coverage for end-of-life expenses.
Prudent Pet Coverage
Prudent Pet’s Ultimate and Ultimate Plus Plans include a mortality benefit of up to $250 for cremation and burial expenses, plus the original purchase price of your pet. These plans do come with the highest monthly premiums. There is no copay or deductible for the mortality benefit, but it doesn’t cover illness-related deaths in dogs age 8 and over or cats age 10 and over.
To learn more: Prudent Pet insurance review