Do You Earn Rewards on Pet Insurance?

By Bryce Casson, Founder · Cardocrat · Updated July 2026
The short answer: Yes, at your base rate. Pet insurance premiums code as insurance, which is not a bonus category, so a flat-rate card earns the most. Most pet insurers bill monthly or annually to a card, making it an easy recurring charge to put on autopay for a small, steady return.

How pet insurance codes

A pet insurance premium rings up under an insurance category code, outside the usual bonus buckets like dining and groceries, so most cards earn their base rate. It is treated the same as other coverage, covered in paying insurance with a credit card, and separate from the vet visit itself.

A clean recurring charge

Because pet insurers bill on a regular schedule and almost always accept cards, the premium is an easy recurring charge to autopay on your best flat-rate card. A card that rewards a broad set of recurring bills could edge it out, but most people simply earn the base rate steadily. The vet bills the insurance reimburses are covered in rewards at the vet.

The best card for pet insurance

Since there is no insurance bonus, a strong flat-rate card earns the most on the premium. Set it to autopay and value points at a flat 1 cent. See the flat-rate earners in best cash back cards.

Frequently asked questions

Does pet insurance earn credit card rewards?
Yes, at your base rate. Pet insurance premiums code as insurance, which is not a bonus category, so most cards earn the base rate.
Can I autopay pet insurance with a card?
Yes. Most pet insurers bill monthly or annually to a card, making it an easy recurring charge to autopay for a steady base-rate return.
What card is best for pet insurance?
A strong flat-rate card, since insurance has no bonus category. A card that rewards recurring bills could earn slightly more if you hold one.

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Bryce Casson

Written by Bryce Casson, Founder of Cardocrat. About the author and how we rank cards.