Spoiler: No, but Here’s What Is Covered for Service Animals

Let’s be honest — if Medicare covered pet food, I’d have the world’s happiest golden retriever right now. It’s a surprisingly common question: “Can Medicare help pay for my service animal’s food, grooming, or vet bills?” Unfortunately, the answer is no — but there’s more to the story than just a flat-out “no.”

Medicare Doesn’t Pay for Pet Food (or Pets)

Medicare does not cover the costs of owning, feeding, or caring for any type of animal — even a trained service animal. That includes:

• Pet food or treats
• Grooming or vet visits
• Training or certification costs
• Adoption or purchase fees

Medicare is designed to cover human medical care, not animal care — even if that animal plays an important role in your health or independence.

But There’s Good News: Other Programs May Help

While Medicare itself doesn’t cover pet expenses, some organizations do provide financial assistance or resources for people with service animals. Here are a few to know about:

• Veterans Affairs (VA): If you’re a veteran, the VA can help cover certain costs related to service dogs trained to assist with physical or mental health needs.
• Nonprofit organizations like Canine Companions or Guide Dogs for the Blind may cover the cost of training or placement.
• Local assistance programs sometimes help with food or veterinary care for certified service animals.

Tip:

If your service animal helps you manage a medical condition (like mobility issues, PTSD, or seizures), ask your doctor to document how your condition impacts your daily living. That information can sometimes help you qualify for extra plan benefits — or at least connect you with community programs that can help with costs.

Doreen Marino | 65+ Insurance Solutions | www.dmarinomedicare.com