Prescription Medications and Pet Insurance

Introduction

From antibiotics for infections to long-term medication for chronic conditions, prescriptions are one of the most common veterinary expenses. Costs add up quickly — some medications run hundreds of dollars per month. Pet insurance can help, but not all policies include prescriptions. Here’s how medication coverage works and how to find plans that fit your needs on AARDY.com.

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How Much Do Pet Medications Cost?

Examples include:

• Antibiotics: $20–$50 per course
• Insulin: $50–$150 per month
• Heart medications: $30–$100 per month
• Cancer drugs: $100–$250+ per month

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How Insurers Handle Prescriptions

Coverage varies:

• Many insurers include prescriptions under accident & illness plans.
• Some exclude long-term medications unless a rider is added.
• Others limit coverage to drugs purchased directly from a vet.

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Case Study: Milo the Diabetic Cat

Milo required insulin for life. His plan reimbursed 80% of prescription costs, saving his owner about $100 each month. Without coverage, the cost would have been prohibitive. Prescription coverage gave Milo the chance to live comfortably into old age.

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Conclusion

Medication coverage may not sound flashy, but it’s one of the most practical features of a policy. Compare how different insurers handle prescriptions on AARDY.com to make sure you’re covered for both emergencies and everyday care.