Our insurance wont cover it. I asked, because were a minimum of fifteen minutes from any ambulance arrival, usually closer to 20 minutes. I DID pay for an adult pen long ago, but as stated it expired. I still kept it, until I started to question if I would actually use it, and then threw it away and have not replaced it. Every year, I wonder if I will have a reaction, usually well AFTER I take that first sting of the year. So far so good!