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Home > General > Does Pet Insurance Cover X-Rays, MRIs & Other Imaging?

Does Pet Insurance Cover X-Rays, MRIs & Other Imaging?

vet examining dog's x-ray

Taking care of a pet can be extremely rewarding, but it also comes with a great deal of responsibility. Seeing a veterinarian when necessary and getting tests like X-rays and MRIs done is all part of being a good pet parent. These tests can be expensive and hard to budget for, though, as the testing isn’t usually something that is planned. So, are X-rays, MRIs, and other imaging services covered under pet insurance? The short answer is that some insurance plans do offer coverage for these things, but others do not. Let’s explore the topic more here.

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It’s All in the Fine Print

The only way to know whether a pet insurance plan covers X-rays, MRIs, and other imaging services is to read the fine print of the policy to see exactly what is and isn’t covered. The policy should indicate specifically whether such services are covered. If you can’t find any information in the policy that pertains to X-rays and MRIs, these services are likely not covered, but you should verify with a representative of the insurance company.

pet insurance policy
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Types of X-ray and MRI Coverage

The type of X-ray and MRI coverage that is included in your pet insurance will depend on the specific policy that you choose to invest in. The policy will outline the deductibles, copays, and service limits that are associated with your coverage. The more expensive your insurance policy is, the less your deductible and/or copay should be for things like X-rays and MRI services.

To better understand copay and deductibles, we recommend checking a few different companies to compare policies and find the one that best fits your needs.

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It’s important to think about service caps when choosing pet insurance. How many X-ray tests are allowed in a given year under the coverage? If you surpass your allotted number of X-ray tests, you will likely have to pay out-of-pocket for additional services, and your insurance coverage won’t do much to help you budget.

There May Be Stipulations for Coverage

Just because imaging services are covered under your pet insurance plan doesn’t mean that all services are covered at all times. Some plans only cover these services in emergency situations and for specific types of problems. X-rays might not be covered for possible broken bones or due to preexisting health conditions. It could be that only emergency imaging services are covered and other services are considered elective. Make sure you understand the stipulations of your policy before you need to see a veterinarian and make healthcare decisions for your pet.

cat having X-ray
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Don’t Expect Full Coverage

Even if your pet insurance policy does cover X-rays, MRIs, and other imaging services, you shouldn’t expect that the insurance company will cover all the fees. After paying your copay and/or deductible if applicable, you will likely be reimbursed anywhere from 50% to 90% of the service costs, and you’ll be on the hook for the remaining percentage.

Therefore, it is a good idea to set up a special savings account where you can put extra money in case an injury or health emergency arises with your pet. This should help you cover the costs of any services that are not fully covered under your pet insurance policy.

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Final Comments

Pet insurance can be extremely beneficial to pet owners, as the coverage can help save them money as time goes on and keep them out of financial trouble when a serious health problem develops or an injury takes place. Be sure to carefully read any policy that you consider getting so you understand exactly what is and isn’t covered and what kind of financial responsibility will be expected of you should you need to use the insurance coverage.


Featured Image Credit: GoodFocused, Shutterstock

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