Does Medicare Cover Service Animals?
Fair Square Medicare

Does Medicare Cover Service Animals?

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By Daniel Petkevich

Nov 29, 2022

Read this before rescuing an animal

Service animals are more than just a pet. They can be a companion, a therapeutic outlet, and even a lifeline for some people depending on their health situation. Unfortunately, there aren't any insurance plans offering coverage for service animals. So you'll have to look elsewhere if you're looking for help with the cost of taking on a service animal.

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What services does Medicare cover?

Medicare covers a variety of services related to health care, including home health services, hospital stays, doctor visits, durable medical equipment (DME) and more. However, it does not cover service animals such as service dogs.

Does Medicare cover service animals?

While Medicare can help with medical expenses related to disabilities or chronic illnesses, the cost of purchasing or training a service dog is not covered by Medicare. Service animals are considered a personal expense. It's the responsibility of the individual or their family to cover costs associated with bringing home and taking care of any service animal.

What about Medicaid or other health insurance?

Unfortunately, Medicaid will not help cover the cost of a service dog either. In fact, there is no private health insurance plan to cover the cost of purchasing, training, or feeding a service dog.

Are there any other financial options available?

Yes! While Medicare may not cover it, individuals with disabilities and chronic illnesses can explore other sources of funding, such as grants, donations, or online crowdfunding campaigns. In some cases, individuals may be able to obtain funding from local organizations, such as pet stores, breeders, and animal shelters. Additionally, certain charitable organizations may offer financial assistance for service animals.

How to get a service dog if you have Medicare?

The most important step to getting a service dog is to first find an accredited organization that specializes in training service animals. This organization should be able to provide individuals with information about the types of services their service dog can provide, as well as any financial options available for those purchasing or training a service animal.

Keep in mind that service animals are an investment and require a significant amount of time and dedication from the individual or their family. As such, individuals should make sure they thoroughly explore all their options prior to making a purchase. Additionally, individuals should consider the long-term financial implications of owning and maintaining a service dog.


In conclusion, Medicare does not cover the cost of purchasing or training a service animal. However, there may be other sources of funding available for individuals with disabilities or chronic illnesses who wish to obtain a service animal. For any Medicare questions you have, talk with an expert at Fair Square Medicare today.

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Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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