Does pet insurance cover rehabilitation or physical therapy?

ByScott Hengst Reading Time: 2 minutes

Some pet insurance policies may cover rehabilitation or physical therapy when it is prescribed by a veterinarian as part of the treatment for a covered condition or injury. Sometimes insurance policies offer this coverage as an optional add-on. It’s important to review the policy details to understand the specific coverage for these therapies. Coverage for rehabilitation and physical therapy may also be covered under a wellness policy and it’s important to review the policy details to understand the specific coverage for these therapies.

  •  Example Bill for Rehabilitation Post Orthopedic Surgery:
  • $250.00 per visit
  • Reimbursement rate 80%
  • Cost before deductible $250 (deductible is $500) (Annual deductible for your pet insurance is the required amount you pay out of pocket before your pet insurance policy begins covering medical expenses.)
  • Co-insurance 20% cost after deductible is met = $0.00
  • Total cost with insurance $250. Total cost without insurance is $250 per visit. 

Note: You might be wondering why the insurance doesn’t seem to help much in this situation. If your pet goes in for rehabilitation post Orthopedic Surgery your pets surgery bill will have most likely already met your deductible so you would only be responsible for your co-insurance cost of 20% at a 80% reimbursement rate. But in case you wanted to know what it would look like if you didn’t already meet your deductible. We broke it down for you. Reference “ DOES PET INSURANCE COVER SURGERY for coverage and cost associated with a surgery claim.  

Example Bill for Physical Therapy

  • Total cost per visit $250
  • Reimbursement rate 80%
  • Cost before deductible $250(Example deductible is $500) (Annual deductible for your pet insurance is the required amount you pay out of pocket before your pet insurance policy begins covering medical expenses.)
  • Co-insurance 20% cost = $0.00
  • Cost with insurance $250 for first visit before deductible and $50 ongoing after deductible has been met. Total cost without insurance is $250 per visit.

Note: You might be wondering why the insurance doesn’t seem to help much in this situation. If your pet already had a surgery then you most likely have met your deductible and would only be responsible for your co-insurance cost of 20% after a 80% reimbursement rate. But in case you wanted to know what it would look like if you didn’t already meet your deductible. We broke it down for you. Reference “ DOES PET INSURANCE COVER SURGERY for coverage and cost associated with a surgery claim.