Embrace Rx Drug Coverage

Should you get it and what does it cover?

Prescription drugs for pets can be expensive. If your pet suffers an allergic reaction or has a chronic condition that requires ongoing care the costs of take-home drugs can quickly add up.

Prescription drug coverage is optional (for an additional cost) with your pet insurance policy. It covers:

  • Take-home drugs such as antibiotics, allergy meds, insulin & supplies, and eye & ear drops. Drugs will be prescribed with a vet visit about 80% of the time, costing $15 to $200 on average. We've seen prescription drug claims as high as $900.

If you don't select RX drug coverage you should know that medications administered in the veterinary clinic are still covered under your accident and illness policy.

Our RX coverage applies toward prescription medications for treating covered accidents and illnesses. It does not include coverage for heartworm medication or prescription diet food. We help you budget for those items with our Wellness Rewards.

Claim examples with Rx drug costs from our policyholders:

  • Allergy meds for Maximus, a young English Bulldog: $798.71 for Rx drugs (spans 4 vet visits in 1 month)
  • Vomiting & pneumonia in an English Bulldog: $562.40 for Rx drugs
  • Bugsy's Cruciate ligament tear: $139.11 for Rx drugs
  • Koa's Cherry Eye claim: $79.81 for Rx drugs
  • Lucy, a Poodle, comes down with Gastric torsion: $30.75 for Rx drugs

Is there a deductible?

Yes, your prescription drug costs add to your other accident and illness costs and the total is considered against your annual deductible. This is a good thing since it will generally help you reach your deductible sooner in the case of high unexpected vet bills.