Pet insurance is fast becoming a popular choice for many pet owners. But when it comes to pet insurance, like human insurance, it is important to not only know what is included, but what is excluded as well.
Potential policy holders need to take time to understand the pet insurance policy before purchasing the right one for your pet. Various companies offer different cover for your pet, so make sure you get as much information as possible on what the policy covers and excludes.
Below is a list of possible pet insurance exclusions. Remember that each insurance company is different, so again, understand your particular policy. The examples below do not apply to all pet insurance companies, and is just a general idea of what could be excluded.
1. Pre-existing conditions
This is a common exclusion because it applies to health insurance for humans as well. In pet insurance, pre-existing conditions is usually not included in the cover. Pre-existing conditions refers to something your pet has before the commencement of the policy. This can include conditions you do not even know about. This means that even if you did not know about the condition before, the policy may not cover it.
2. Hereditary conditions
This depends on your policy, but hereditary conditions could be excluded in some policies while covered in others. Ask your pet insurance company whether hereditary conditions are included in the cover, or if there is a policy that includes it.
3. Congenial conditions
Congenial conditions may not be covered because they are considered as a pre-existing condition. Congenial conditions are conditions the pet is born with, including patellar luxation, Entropion, Ectropian and liver shunt.
4. Fleas, ticks and other parasites
Some pet insurance policies may include benefits for preventative medications against parasites, but generally treatment for getting rid of parasites is not included.
5. Preventable diseases and elective procedures
Any condition that could be prevented or that your pet could be vaccinated for is not generally covered. Also, any elective procedures like tail docking are commonly excluded in pet insurance policies.
6. Teeth cleaning
Dental care is generally provided for if it is needed due to injury or accident. However, general dental preventative care, such as teeth cleaning, is usually not covered.
Author bio
This article was written by Bow Wow Insurance and covers the topic of pet insurance exclusions.