Lyme disease, a tick-borne illness caused by Borrelia burgdorferi, poses a significant health risk to pets, particularly dogs. As of 2025, the Companion Animal Parasite Council (CAPC) reports an expanding geographic range of Lyme disease, with increased prevalence in regions previously considered low-risk .
For pet owners, understanding whether pet insurance covers Lyme disease is necessary. This guide tells you about Lyme disease, its impact on pets, and how pet insurance can play a pivotal role in managing its costs.
What Is Lyme Disease?
Lyme disease is spread through the bite of an infected black-legged tick (Ixodes scapularis). In dogs, symptoms may include fever,lameness , loss of appetite, swollen joints, and lethargy . If left untreated, it can lead to severe conditions like Lyme nephritis, a kidney disease .
The Rising Threat of Lyme Disease in Pets
In recent times there is indication a concerning rise in Lyme disease cases among pets. The CAPC’s 2025 Pet Parasite Forecast highlights an expanding risk of Lyme disease, with notable increases in areas such as Indiana, North Carolina, and California . This trend underscores the importance of proactive measures, including vaccination and tick prevention strategies.
Understanding Pet Insurance Coverage
Pet insurance policies vary widely, but most offer coverage for accidents, illnesses, and sometimes preventive care. It’s essential to review the specifics of your policy to understand:
Accident and Illness Coverage: Typically covers treatments for conditions like Lyme disease.
Preventive Care: Some policies include coverage for vaccinations and tick preventatives.
Exclusions: Conditions that may not be covered, such as pre-existing conditions or certain treatments.
Does Pet Insurance Cover Lyme Disease?
Coverage for Lyme disease varies among insurance providers. Some companies include it under their accident and illness plans, while others may offer it as an add-on or exclude it entirely. For instance, Trupanion covers Lyme disease treatment if the pet is on a routine flea and tick preventive program but still contracts the disease .
Best Pet Insurance Plans for Lyme Disease Coverage
When selecting a pet insurance plan, consider the following providers known for comprehensive coverage:
Healthy Paws: Offers extensive accident and illness coverage, including Lyme disease, with no annual or lifetime limits.
Petplan: Provides customizable plans that can include coverage for tick-borne illnesses.aspcapetinsurance.com
Trupanion: Covers Lyme disease treatment if the pet is on preventive measures.
Embrace: Offers wellness rewards that can be used for tick preventatives and vaccinations.
How Pet Owners Can Prevent Lyme Disease ?
Prevention is key in managing Lyme disease risk:
Tick Preventatives: Use veterinarian-recommended tick preventatives year-round.
Vaccination: Consult your vet about the Lyme disease vaccine, especially if you live in or travel to high-risk areas.
Regular Checks: Perform daily tick checks, particularly after outdoor activities.
Environmental Management: Keep your yard free of tall grasses and brush where ticks thrive.
How to File a Pet Insurance Claim for Lyme Disease ?
Filing a claim typically involves:
Veterinary Documentation: Obtain a detailed invoice and medical records from your vet.
Claim Submission: Submit the claim through your insurer’s preferred method (online portal, email, or mail).
Follow-Up: Monitor the status of your claim and provide any additional information if requested.
Real-Life Case Studies
Case 1: A Golden Retriever diagnosed with Lyme disease had treatment costs of $2,500. The owner’s insurance covered 80%, reducing out-of-pocket expenses to $500.
Case 2: A Beagle contracted Lyme disease despite being on preventive medication. The insurance covered the full treatment cost of $3,000, as the policy included Lyme disease coverage.
Frequently Asked Questions
Q1: Will pet insurance cover Lyme disease if my dog has pre-existing conditions?
A1: Coverage depends on the insurer’s policy regarding pre-existing conditions. Some may cover new conditions unrelated to the pre-existing ones .
Q2: Is the Lyme disease vaccine covered by pet insurance?
A2: Coverage for vaccinations varies. Some plans include it under preventive care, while others may not.
Q3: How much does Lyme disease treatment cost without insurance?
A3: Treatment can range from $1,000 to $3,000, depending on the severity and complications.
Conclusion
As Lyme disease continues to pose a threat to pets, understanding your pet insurance coverage is crucial. By selecting a plan that includes Lyme disease coverage and implementing preventive measures, you can safeguard your pet’s health and your finances.
For more information on pet insurance and Lyme disease prevention, consult your veterinarian and review your insurance policy details.