As pet owners, we want to do everything we can to ensure the health and wellbeing of our furry friends. One of the best ways to do this is by investing in pet insurance. However, with so many different types of policies available, it can be difficult to know exactly what is covered and what is not. In this article, we will explore what pet insurance typically covers, as well as the most common exclusions.
What Pet Insurance Covers
Pet insurance is designed to cover unexpected veterinary costs that arise due to illness, injury, or accidents. Depending on the policy you choose, pet insurance can cover a range of costs, including:
Veterinary Fees – This includes consultations, diagnostic tests, surgical procedures, and hospitalization costs.
Medications – Many pet insurance policies will cover the cost of prescribed medications.
Hereditary and Congenital Conditions – Some pet insurance policies will cover the costs of hereditary and congenital conditions, such as hip dysplasia, that may be more common in certain breeds.
Dental Treatment – Some pet insurance policies will cover dental treatment, such as tooth extractions and cleanings.
Alternative Treatments – Some pet insurance policies will cover the costs of alternative treatments, such as acupuncture and chiropractic care.
Boarding Fees – Some pet insurance policies will cover the cost of boarding fees if you need to leave your pet at a kennel or cattery due to an unexpected hospitalization or illness.
What Pet Insurance Does Not Cover
While pet insurance can provide peace of mind when it comes to unexpected veterinary costs, it’s important to understand that not everything is covered. Some of the most common exclusions from pet insurance policies include:
Pre-Existing Conditions – Most pet insurance policies will not cover pre-existing conditions, which are conditions that your pet has already been diagnosed with or treated for.
Routine and Preventative Care – Pet insurance policies generally do not cover routine and preventative care, such as annual checkups, vaccinations, and flea and tick preventatives.
Elective Procedures – Most pet insurance policies will not cover elective procedures, such as spaying and neutering, that are considered routine.
Behavioral Problems – Pet insurance policies generally do not cover the costs of treating behavioral problems, such as anxiety and aggression.
Cosmetic Procedures – Most pet insurance policies will not cover the costs of cosmetic procedures, such as ear cropping and tail docking.
Certain Breeds – Some pet insurance policies may exclude coverage for certain breeds that are considered higher risk, such as brachycephalic breeds (e.g. pugs, bulldogs) that are prone to respiratory problems.
Pet insurance can be a valuable investment for pet owners, providing peace of mind and financial protection when unexpected veterinary costs arise. However, it’s important to carefully review the terms and conditions of any policy to understand what is covered and what is not. By knowing what pet insurance typically covers and the most common exclusions, you can make an informed decision about the best policy for your furry friend.