Does Pet Insurance Cover CBD?
Pet Insurance vs. Out-of-Pocket: CBD & Common Care Costs
Use this quick reference to see what’s typically covered by pet insurance and where you’ll likely pay out of pocket. (Always confirm details with your provider.)
| Item / Treatment | Insurance Coverage (Typical) | Out-of-Pocket for Pet Parent | What to Ask Your Insurer | Hemp Well Option |
|---|---|---|---|---|
| Hemp-derived CBD supplements (THC-free) | Usually not covered (classified as a supplement) | Yes (owner pays 100%) | Any wellness rider for supplements? Reimbursement for OTC items? | Relief Plus CBD Oil · Calm Dog Soft Chews |
| Synthetic cannabinoid Rx (vet-prescribed) | Sometimes covered as a prescription drug | Deductible + copay/coinsurance | Is this on the covered drug list? Any prior authorization? | — |
| Prescription meds (NSAIDs, anti-anxiety, etc.) | Often covered for new illnesses/injuries | Deductible + copay/coinsurance | Exclusions for pre-existing conditions? Max annual benefit? | Pair with natural support: Dog Collection |
| Supplements (glucosamine, omegas) | Typically not covered (wellness/supplement) | Yes (owner pays 100%) | Any wellness add-on that reimburses supplements? | Hip & Joint Options · Hemp Omegas |
| Vet exams & diagnostics (X-ray, labs) | Usually covered for accidents/illnesses (not routine, unless wellness plan) | Deductible + copay/coinsurance | Accident/illness vs. wellness coverage? Waiting periods? | — |
| Behavior therapy / training | Often excluded or limited | Yes (unless plan rider) | Any behavioral rider? Licensed professional required? | Calm Dog Soft Chews for relaxation support |
| Complementary therapies (acupuncture, PT, hydrotherapy) | Sometimes covered with specific plan/rider | Deductible + copay/coinsurance (or owner-pay if excluded) | Which modalities are covered? Session caps? Provider credentials? | Combine with Relief Plus CBD Oil for daily comfort |
Tip: If insurance won’t cover supplements, look for high-quality, organic hemp options and budget them like any other wellness expense.
