Does pet insurance cover MRI scans?

Will pet insurance pay for an MRI?

Yes, most standard pet insurance plans cover MRI scans required due to covered illnesses or accidents.

An MRI is an advanced diagnostic tool that provides high-resolution images of internal structures. These images help veterinarians diagnose conditions like tumors, spinal cord injuries, herniated disks, strokes and infections. MRIs offer better tissue resolution than X-rays or CT scans, making them an important tool for detecting health concerns that other imaging might miss.

MRIs for pets are expensive. According to Lemonade, costs typically run between $2,500 and $6,000. With the right insurance plan, you could be reimbursed up to 90% of that cost, potentially saving thousands of dollars.

In addition to MRI scans, most pet insurance policies cover other diagnostic tests, such as X-rays, CT scans, ultrasounds, blood work and biopsies. These tools help veterinarians diagnose fractures, organ issues, infections and other conditions covered by pet insurance.

» LEARN: What does pet insurance not cover?

How much do MRI scans cost for pets?

MRI scans for pets usually cost between $2,500 and $6,000, depending on where you live, your pet’s size and the type of veterinary facility. Southeast Veterinary Neurology reports an all-in cost of around $5,000, which covers everything needed to safely perform the scan, including anesthesia.

Here are some of the biggest drivers of cost:

What affects a pet’s MRI costs?

A typical MRI visit also includes:

• Physical and neurological exams by a specialist
• Blood tests and X-rays to confirm anesthesia safety
• IV catheter placement for fluids and medications
• Anesthesia and monitoring throughout the procedure
• Hospitalization and recovery care

Some clinics charge separately for interpreting the MRI results, so ask what’s included when you get a quote.

If you have pet insurance, you could be reimbursed for up to 90% of the cost, depending on your plan. For example, if the MRI costs $4,000 and your policy reimburses 90%, you’d get back $3,600. Your total reimbursement will depend on your plan’s deductible, reimbursement rate and any coverage limits.

Some of the top-rated pet insurance providers in 2025 — Lemonade, Embrace Pet Insurance and ASPCA Pet Health Insurance  — all cover MRIs if your vet recommends one and it's tied to a covered condition.

Factors influencing MRI scan coverage

Pet insurance can help manage the high cost of an MRI, depending on the policy and coverage level. Many accident-and-illness plans include diagnostic imaging, such as MRIs, but coverage varies by provider.

Here are some factors that affect MRI coverage:

• Deductibles and reimbursement rates: Most plans reimburse between 70% and 90% of covered costs. You’ll usually need to pay a deductible before coverage kicks in.
• Preexisting conditions: Insurance typically won’t pay for MRIs tied to any condition diagnosed before your coverage began.
• Coverage limits: Some plans cap how much you can be reimbursed per year, per condition or over your pet’s lifetime.

A comprehensive pet insurance policy can help alleviate the financial burden of unexpected diagnostic procedures like MRIs, but it’s important to review your policy’s terms and limitations to avoid unexpected costs.

» LEARN: How does pet insurance work?

How to choose the right pet insurance plan

Choosing the right pet insurance plan can help ensure your pet’s health care needs are met without breaking the bank.

Here’s a step-by-step guide to help you make the best decision:

• Assess your pet’s needs: Every pet is different. Consider your pet’s age, breed and any existing health concerns. For example, if you have a breed prone to certain health issues (like hip dysplasia or heart disease), you may need a plan with more extensive coverage.
• Compare coverage options: Not all plans are created equal. Look for plans that cover both accidents and illnesses, including diagnostic tools like MRIs. Check if they cover conditions your pet is likely to face and consider whether the plan includes preventive care like vaccinations or checkups.
• Understand the costs: Premiums vary widely depending on your pet’s age, breed and location. Balance the cost of the plan with the level of coverage. Don’t forget about deductibles and reimbursement percentages — plans with higher reimbursement rates may cost more upfront but save you money over time.
• Read reviews and check customer service: Choose a provider with a good reputation and reliable claims processing. Look at online reviews and ask fellow pet owners about their experiences.
• Look for exclusions: No policy covers everything. Understand what’s not included, such as preexisting conditions or elective treatments.

By carefully comparing plans and considering your pet’s needs, you can find coverage that fits both your budget and your pet’s long-term health.