Does Pet Insurance Cover Microchipping?
Microchipping is a one-time preventive procedure excluded from standard A&I plans. Some wellness add-ons cover microchipping as a one-time benefit ($35–$60). At $45–$75 total cost, it's one of the cheapest things on your vet bill regardless.
Microchipping Cost: With vs. Without Insurance
Assumes $500 deductible, 80% reimbursement (standard plan terms)
What Pet Insurance Covers
A few wellness add-ons include one-time microchip coverage. Check the specific plan's wellness benefit schedule.
What's Excluded
Standard accident & illness plans. Registry fees are not covered even by plans that cover the implant.
Waiting Period
Wellness riders: 14-day waiting period applies to microchipping if covered.
Breed-Specific Considerations
No breed-specific notes. Microchipping is recommended for all dogs and cats — relatively inexpensive at $45–$75 regardless of insurance.
Plans That Cover This
The Pre-Existing Condition Rule
Pet insurance doesn't cover conditions that existed before your policy started. That means anything in your pet's vet records — a limp noted once, an ear infection two years ago, a lump your vet mentioned — can become an exclusion. Enroll before your pet has any documented health problems to get the most out of your coverage.