Pet Keen is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no cost to you. Learn more.

Home > General > Does Pet Insurance Cover Euthanasia? 2024 Standard Policies

Does Pet Insurance Cover Euthanasia? 2024 Standard Policies

Cute and beautiful beagle dog lying on the exam table at the veterinarian. Two vets examining a sick and scared pet with a stethoscope

It’s a topic no pet parent wants to think about, but at some point in your pet’s life, it’s a possibility that you might have to consider euthanasia for humane reasons. On top of the inevitable sadness and distress involved in a pet’s life coming to an end, there are vet bills to consider—and we all know they don’t come cheap. For this reason, some pet insurance companies cover euthanasia in their plans, but not all do.

In this post, we’ll discuss what euthanasia is and which pet insurance companies currently include euthanasia coverage in one or more of their packages.


What Is Euthanasia?

Euthanasia is when a vet administers a drug via injection that ends an animal’s life humanely. When a pet is too sick or injured to be treated or continue enjoying a good quality of life, many loving pet parents choose euthanasia to offer them the most dignified end possible and ensure they don’t continue to suffer. Your vet can advise you as to whether euthanasia may be the kindest choice for your pet.

a shih tzu dog being checked by two vets
Image by: KongNoi, Shutterstock

How Is Euthanasia Carried Out?

A vet will either carry out the procedure at the veterinary clinic or your home if the service is offered and you have requested it. Euthanasia is a quick procedure and vets know how to carry it out as peacefully as possible and with minimal discomfort to your pet.

Sometimes, vets first administer a sedative to make your pet sleepy and calm them down, especially if they’re stressed out or afraid, though this isn’t always necessary. After this, they’ll usually inject a medication called pentobarbital, which stops the heart. It only takes a minute or two for the pentobarbital to take effect.

As tough as it may be, being by your pet’s side at this time is the best thing you can do, as your presence will help to comfort and soothe them. Your vet will guide and support you throughout and will be able to answer any questions you may have.

Does Pet Insurance Cover Euthanasia?

Some pet insurance companies cover euthanasia as long as it’s for humane reasons and/or the result of a covered medical condition. In the table below, you’ll find some basic information about what some well-known insurance companies offer in one or more of their plans.

Its always worth comparing plans when getting pet insurance to see which one is right for you.

Top Rated Pet Insurance Companies:

Best Dental Coverage
Our rating: 4.5 / 5
Best Customer Service
Our rating: 4.7 / 5
Most Affordable
Our rating: 4.6 / 5

Please refer to the full policies of each individual company and plan or speak to a company advisor to learn more. Also, note that some companies—like Embrace— offer some burial or cremation coverage via add-ons like wellness plans that are not part of standard or comprehensive insurance plans.

Pet Insurance Company Covers medically necessary euthanasia for covered/eligible conditions Covers or partially reimburses cremation or burial
Embrace Yes Yes (under wellness rewards plan)
Healthy Paws Yes No
Nationwide Yes Yes
Figo Yes Yes (cremation)
Pet Plan No No
Trupanion Yes No
Pets Best Yes No

How Much Does Euthanasia Cost Without Insurance?

This varies depending on the veterinary clinic performing the procedure. The cost ranges from $50 to more than $100 for the procedure. If you choose to have your pet cremated, the cost can also vary depending on your pet’s size, the location, and whether you choose communal cremation (you can’t retrieve your pet’s ashes afterward with this option) or private cremation.

As an estimate, cremation can cost anywhere from $30 to $300. If you have your pet buried in a pet cemetery, this can cost upwards of $400.

pet insurance coverage
Image by:, Shutterstock



If you’re visiting us today because you’re in the awful position of having to consider euthanasia for your pet, we, as fellow pet parents, understand how tough it is to make this decision. We’re sorry that you are going through this and salute you for being a loving, courageous pet parent who cares deeply for their pet’s welfare.

We recommend reaching out to your pet insurance company if you have any doubts about whether or not euthanasia is covered and getting in touch with your vet, who can support you in making the best decision for your pet.

Featured Image Credit: Beach Creatives, Shutterstock

Our vets

Want to talk to a vet online?

Whether you have concerns about your dog, cat, or other pet, trained vets have the answers!

Our vets