Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Your pet insurance will not usually pay for the cost of grooming and training; however, you may be able to source one that will. The purchasing of pet insurance is increasing in America.

Pet owners are paying closer attention to the health of their beloved animals just as they are taking better care of themselves. However, pet insurance is a little different from insurance for people.

Compare insurance quotes for your favorite pooch by entering his zip code now!

You need to look for a policy that specifically covers grooming and training, and decide if it is worth the investment. Some pet owners feel it is a necessity while others feel it is a waste of money.

With the demand for pet insurance increasing, carriers are making modifications to the policies they offer. To one owner it may be more feasible to pay out-of-pocket with each vet visit while another may feel it will save them money in the long run to have pet insurance so they do not have to come up with lump sums in the event of an emergency.

What does pet insurance cover?

Since the majority of pets are dogs and cats most policies are geared towards them. However, coverage for horses and exotic animals exists too. The coverage usually includes:

  • Vaccines
  • Flea and tick dips
  • Spaying and neutering
  • Illnesses
  • Accidents

Most insurance carriers require that owners pay for services up front and file a claim for reimbursement. Prescriptions are another out-of-pocket expense. Most carriers do not accept preexisting conditions either. Other services like dental cleaning may be added for additional premiums.

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How much does pet insurance cost?

There are no government programs for pets to assist with costs. The cost of pet insurance premiums are around $15-$20 per month depending on factors such as breed and age. Policies have deductibles and co-pays just like other types of insurance. With pet insurance however, owners are responsible for larger percentages of the bill.

Pet insurance may be obtained through adoption kennels, pet store franchises, and through veterinarians. Some of the recognized and reputable insurers are:

  • PurinaCare
  • VPI
  • Hartville
  • PetPlan USA
  • Trupanion

Those associated with stores include PetSmart and PETCO.

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What types of businesses offer grooming and training for pets?

Grooming and obedience training are sometimes offered in conjunction with veterinary services, but these services are not usually offered with an insurance policy. Groomers normally offer their services exclusively. They are trained specifically to groom at grooming training schools.

Mobile grooming is a service that is increasingly popular. The groomer travels with all the equipment needed to service your pet right in front of your door without the mess.

Obedience training is also offered separately from vet care. Although many kennels do offer grooming and obedience training together as part of their services. Your furry friends may be groomed and trained while the family is on vacation or busy doing other things. These are separate from kennels, that may just house and feed your pet, while boarding schools offer package deals.

How much does grooming and training cost?

Grooming your pet is fairly inexpensive. On average the charge is around $25-$30. Of course the difference is in the size and breed. Some dogs require special cuts like poodles and terriers. Others have thicker fur, while a few require special handling. An additional $5 or $10 may apply in these cases.

There are three options for obedience training. Pets can be trained:

  • In a group setting – $40-$125
  • Privately – $250-$600
  • Boarding school – $950-$2,500

Regardless of the method selected, most training last approximately 4-8 weeks. Dogs are the beneficiaries of obedience training whereas cats are more instinctive. The first thing they learn is to sit and stay. They are also taught to control aggressive behavior, digging, and barking. Housebreaking is introduced to puppies, but owners must follow through at home.

Owners may be asked to provide training aids such as leashes, harnesses, and treats. Most boarding schools include the cost of these accessories in the price. Specialized training is available for therapy, rescue, and other field work on an advanced level.

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Where can pet insurance that covers grooming and training be found?

Although insurance carriers do not usually include grooming nor training as part of their plans, there are some instances where the owner may be reimbursed. Insurance for your horse is more likely to offer such riders, whereas dog and cat policies are less likely to do so. Grooming and training for service animals are more likely to be covered as part of their insurance policies than pets.

Service animals include animals that serve as part of search and rescue teams and police dogs. Some therapy dogs may be considered on an individual basis. Insurance regulations vary from state to state. To learn more about what pet insurance plans have to offer, just type your zip code into the search tool and compare pet insurance rates and benefits today.