Does Pet Insurance Cover Training?

Does 'sit' feel more like a suggestion than a command? Is your pet's anxiety affecting their quality of life? Does their territorial behavior keep you from having guests over?

We know you're invested in your pet's well-being, and sometimes that means exploring professional training. We're here to help you understand the financial aspects. So, does pet insurance cover training?

Yes...and no. It can, but there are some important distinctions to understand, like the difference between behavioral therapy and basic training. No need to stress, we'll walk you through it, providing all the information you need to understand pet insurance coverage for behavioral training.

A young German Shepherd puppy and a tabby cat sit side by side in green grass, both looking alert and attentive, demonstrating the kind of harmonious multi-pet household that could benefit from pet insurance that covers behavioral training to maintain positive interactions.

Basic Training vs. Behavioral Therapy:

Think of basic training as teaching your pet good manners: sit, stay, come, and leash walking. It's about obedience and establishing a foundation for good behavior. Behavioral therapy, on the other hand, addresses underlying emotional or psychological issues that cause problem behaviors. It's about understanding why your pet is acting a certain way and developing a plan to change those behaviors. For example, while basic training can teach a dog not to pull on the leash, behavioral therapy might address the anxiety that causes the pulling in the first place.

A Shiba Inu dog with orange-tan fur and a red collar sits attentively in green grass, looking up at a person's hand offering a treat during what appears to be a training session, highlighting the importance of considering pet insurance that covers behavioral therapy or training for optimal pet development.

Does Pet Insurance Cover Training?

Pet insurance does not generally cover any basic training. However, at Embrace, we offer a Wellness Rewards program that can help you budget for routine care, which includes core care like vaccines, check-ups, and neutering as well as basic obedience training. This optional, non-insurance plan can be added to your policy for a holistic approach to your pet’s health— and to make them the model citizen you always knew they could be.

Understanding Behavior Therapy

Our pets experience a range of emotions, and sometimes, these emotions manifest as behavioral challenges. Think about a dog trembling during a storm or a cat hiding in a new environment—these aren't just quirks, but signs of fear or anxiety. Other behaviors, like excessive barking or aggression, can impact both your pet's well-being and your entire household, potentially leading to withdrawal, health problems, or a stressful environment.

Veterinary behavioral therapy goes beyond simple obedience training. It's about understanding the root cause of your pet's behavior and developing a personalized plan to address it. This might involve techniques like counterconditioning, desensitization, or even medication in some cases. A qualified veterinary behaviorist will work with you and your pet to create a positive and supportive environment, helping your furry friend overcome their challenges and live a happier, more balanced life.

Does Pet Insurance Cover Behavioral Therapy?

Yes. If your veterinarian diagnoses a behavioral condition, like separation anxiety or obsessive-compulsive behavior, and recommends a specific treatment plan, it may be covered.

This can extend to treatments prescribed by your vet or done under their watchful eye as long as they’re handled by a vet. That means if your vet prescribes FDA-approved medications for anxiety or recommends FDA-approved treatments for diagnosed behavioral issues, those may be eligible for reimbursement.

Like with any insurance, pre-existing conditions—anything that started before your waiting period ended—aren't covered. Always double-check your policy details to know exactly what's included in your plan, as coverage can vary.

When comparing pet insurance plans, remember that behavioral therapy coverage isn't standard across all companies. Embrace understands the importance of holistic care, which is why we include it in all dog insurance policies.

Pet Insurance that Covers Behavioral Training

If you're finding yourself wondering how to best support your pet's behavior—whether it's those little struggles with commands, the worry of anxiety, or other concerning behaviors—it's good to know that there are ways to help. And while training can be a great tool, behavioral therapy can be a really important part of the solution, and it can be covered by your pet insurance.

And with Embrace, you have the flexibility to customize your deductible and reimbursement percentage, allowing you to create a plan that fits your budget. We're also known for our easy-to-use claims processes and exceptional customer support, making your experience as stress-free as possible.

A small terrier with light brown fur stands on its hind legs giving a high-five to a person's hand in a plaid sleeve, demonstrating trained behavior that underscores the importance of checking if pet insurance covers behavioral training or seeking specialized pet insurance that covers training sessions for optimal pet development.

Does Pet Insurance Cover Training?

At Embrace, we truly believe your pet's emotional well-being is just as important as their physical health. That's why we include coverage for behavioral therapy in our pet insurance policies. You and your vet know your pet best, and we want to empower you to make the decisions that will help them feel calm during a thunderstorm, greet guests with confidence, or relax peacefully when you're away, instead of feeling anxious.

Ready to see how Embrace can help you provide the very best care for your pet's complete wellness? Get a free, personalized quote today and discover how we can support both you and your four-legged friend.