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What is covered by insurance

what is covered by insurance

Regular Plan Exclusions

Pre-existing conditions

Any illness or injury that begins before your policy is effective, or during your waiting period, will be considered “pre- existing”. Even if your pet had no signs or symptoms and wasn’t diagnosed, some conditions can still be considered pre-existing.

Some conditions, like broken legs, heal and require no further treatment. Once healed, these are not considered pre-existing conditions.

Preventable conditions

Conditions that could’ve been prevented are not covered. For example, if your dog is not vaccinated against kennel cough, kennel cough diagnosis and treatment will not be covered. The same applies to any other illness that can be vaccinated against and the treatment of gingivitis and periodontal disease caused by tarter accumulation.

Elective and preventive procedures

Elective procedures such as tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal, elective gastropexy, and anal gland expression and removal are not covered expenses. Limited coverage for vaccines and preventive care is available with our optional BestWellness™ plan.

Non-veterinary expenses, food, special diets, vitamins and supplements

Non-veterinary expenses like taxes, administration fees, bio-hazardous waste disposal fees, transportation and house call fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian are not covered. We also do not cover food, vitamins or supplements, even when prescribed by a veterinarian.

Herbal, holistic, experimental and alternative therapies and medications (except chiropractic and acupuncture)

Our pet insurance plans offer limited coverage for chiropractic and acupuncture services. All other herbal, holistic and alternative therapies are not covered.

Our regular pet insurance plans don’t cover parasitic testing, treatments or prevention. Parasites include but are not

limited to: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies. Limited coverage for parasite testing and prevention is available with our optional BestWellness™ plan.

Prescription drugs not included in our formulary

Coverage in Some Cases

There is a 12-month waiting period on coverage for the following conditions. To waive this waiting period, please have your pet examined by a veterinarian within 30 days of enrollment. View a sample Pet Health Checklist .

  1. Cruciate Ligament Injuries
  2. Luxating Patellas
  3. Portosystemic Shunts
  4. Elbow Dysplasia
  5. Hip Dysplasia
  6. Osteochondritis Dissecans
  7. Cardiovascular Defects

Note for Florida and South Carolina residents: limited coverage for hereditary conditions and no coverage for congenital conditions. Waiver for 12-month waiting period on seven conditions is not available. Please contact us or review the policy form for your state for more details.

Coverage Only with BestWellness™ Added

Our BestWellness benefit helps pay for wellness exams, vaccines, spays and neuters, dental cleanings, routine diagnostics and more. You can add BestWellness at the time of purchase or upon annual renewal.

Dental cleanings

BestWellness reimburses $100 each year for teeth cleaning, and there’s no deductible to meet.

Fleas, ticks and heartworm

BestWellness helps pay for the testing and prevention of fleas, ticks and heartworm.

Accident Plan Exclusions

Cancer Plan Exclusions

In addition to general plan exclusions, Cancer Only plans do not cover:

Non-cancer conditions

Accidents, injuries or illnesses other than cancer are not covered.

Pre-existing cancer

Cancer that develops before the policy effective date or during the waiting period, even if not diagnosed, is not covered.

Category: Insurance

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