At least in Germany, insurance generally only covers the vaccines recommended by a federal expert group of physicians and statisticians called the Stiko, standing committee on vaccination, who tend to be conservative in their recommendations. The HPV vaccine is only recommended for under 18 year olds and it can be difficult to find a physician who will go against the recommendation for liability reasons.
At least in Germany, insurance generally only covers the vaccines recommended by a federal expert group of physicians and statisticians called the Stiko, standing committee on vaccination, who tend to be conservative in their recommendations. The HPV vaccine is only recommended for under 18 year olds and it can be difficult to find a physician who will go against the recommendation for liability reasons.