Understanding Insurance Coverage for Service Dogs

Explore whether insurance policies cover service dogs and the implications of insuring these essential companions.

Understanding insurance coverage for service dogs is important for individuals who rely on these specially trained animals to assist with disabilities. Service dogs are highly trained to perform tasks that help people with disabilities, such as guiding the blind, alerting those with hearing impairments, and providing assistance with mobility and daily tasks. Here are some key points to consider regarding insurance coverage for service dogs:

  1. Americans with Disabilities Act (ADA): The ADA is a federal law that provides comprehensive protection for individuals with disabilities who use service dogs. Under the ADA, service dogs are allowed in most public places, including restaurants, stores, and public transportation. Businesses and entities covered by the ADA are required to allow service dogs to accompany their owners.

  2. Types of Service Dogs: Service dogs can be trained to assist with various types of disabilities, including visual impairment, hearing impairment, mobility limitations, seizure disorders, diabetes management, post-traumatic stress disorder (PTSD), and more.

  3. Insurance Coverage for Service Dogs: Service dogs are typically not covered by health insurance policies, as they are not considered medical devices. However, there are some exceptions to this. For example, some medical insurance plans for individuals with specific medical conditions may provide coverage for service dogs trained to assist with those conditions.

  4. Homeowners or Renters Insurance: If you own or rent a home, your homeowners or renters insurance may cover liability related to your service dog. This coverage may protect you in case your service dog unintentionally causes harm or damage. However, it's crucial to check the terms and conditions of your policy, as some insurance companies may exclude specific dog breeds or charge higher premiums.

  5. Pet Insurance: Some individuals opt to purchase pet insurance for their service dogs to cover medical expenses such as vaccinations, check-ups, and unexpected injuries or illnesses. While this doesn't directly cover the cost of obtaining a service dog or their training, it can help with ongoing medical expenses.

  6. Service Dog-Specific Insurance: Some organizations and providers offer specialized insurance policies or plans for service dogs. These policies may include coverage for veterinary care, disability-related expenses, and other services tailored to the needs of service dogs and their owners.

  7. Public Liability: Many service dog owners obtain personal liability insurance to protect themselves in case of any incidents involving their service dog in public spaces. This can provide coverage for legal expenses and damages if someone files a lawsuit as a result of an interaction with the service dog.

It's important to check the specific terms of any insurance policies related to your service dog and to communicate with your insurance provider if you have questions or concerns. Additionally, always ensure that your service dog is properly trained, well-behaved, and identifiable as a service dog, as this helps ensure a smooth experience when accessing public places and services as allowed by the ADA.

Does Insurance Cover Service Dogs?.

In short, the answer is not always. Health insurance plans generally don't cover the cost of acquiring, training, or maintaining a service dog. However, alternative financing options and nonprofit group assistance can help you afford this purchase. Once you have the dog, consider purchasing pet insurance to help with medical bills. This way, your service dog stays healthy and can continue assisting you for many years.

Health Insurance

Health insurance plans typically don't cover the cost of acquiring, training, or maintaining a service dog. This is because service dogs are considered to be a "medical supply" and are not covered under the same provisions as medical procedures or equipment.

Alternative Financing Options

There are a number of alternative financing options available to help people afford the cost of a service dog. These options include:

  • Personal loans: Personal loans are a type of loan that can be used for any purpose, including the purchase of a service dog.
  • Credit cards: Credit cards can be used to finance the purchase of a service dog, but it's important to be aware of the interest charges that will accrue.
  • Nonprofit group assistance: There are a number of nonprofit groups that offer financial assistance to people who need help obtaining a service dog.

Pet Insurance

Once you have a service dog, it's important to have pet insurance to help with medical bills. Pet insurance can cover the cost of veterinary care, such as routine checkups, vaccinations, and emergency care. It can also cover the cost of prescription medications and other medical expenses.


The cost of a service dog can be significant, but there are a number of resources available to help people afford this purchase. By considering alternative financing options and pet insurance, you can ensure that your service dog has the care it needs to stay healthy and assist you for many years.