The cost of treating pets for illness or injury may mount fast. Things include a normal vet visit, medications for your pet if it needs surgery and post-operative care. One method to help subsidize some of the costs of a pet’s medical treatment is pet insurance. Learn more about the pet insurance plans Spot Pet Insurance provides on their website
What Does Pet Insurance Cover?
A Pet Insurance, a dog insurance, or a cat insurance plan typically covers the things listed below:
- Accidents and injuries including ACL ruptures, sprains, and poisonings
- allergies, arthritis, and skin conditions are examples of chronic diseases
- Typical ailments such as ear infections, nausea, and diarrhea
- serious conditions include diabetes, heart disease, and cancer
- Hereditary problems such as blood illnesses, eye abnormalities, and hip dysplasia
- X-rays, MRIs, CT scans, blood tests, and ultrasounds are examples of testing and diagnostic procedures.
- Surgery, hospital stays, nursing care, endoscopies, and chemotherapy are examples of procedures.
- Vaccinations, spay/neuter, and lea/heartworm procedures that come under the health and wellness procedures of your pet
- Pet insurance, dog insurance, and cat insurance also cover laser therapy, chiropractic, and acupuncture.
- For issues including destructive chewing, excessive barking, and hostility, behavioral treatment is used.
- Some pet insurance policies also include pet dental insurance, which addresses issues like dental injuries and diseases (such as gum disease or injuries such as broken teeth).
Visit the Spot Pet Insurance site and learn more about the pet insurance plans they offer
What does Pet Insurance not Cover?
Pet insurance offers a wide range of coverage for wellness, accident, and disease, all of which may be expensive to treat, depending on how much you are ready to spend. Unfortunately, pet insurance also has limitations, exclusions, and uncovered circumstances. Preexisting conditions are rarely covered by pet insurance, for instance. While some limitations only apply to specific types and breeds of pets, others apply to all pets.
Here are a few of the pet insurance policies’ most frequent exclusions.
Medical Conditions that exist Prior to Taking Pet Insurance
The vast majority of the time, prior medical issues are the reason for disqualification. Exclusions may apply to anything that occurred in your pet’s medical past before the coverage began. Additionally, this is true if you cancel one policy and buy another.
Conception and/or Birth
You’ll probably be responsible for paying the costs if your dog or cat gets pregnant. While some insurance plans provide coverage in the case of difficulties, the majority completely exclude pregnancy.
Loss of a Pet or Its Theft
Regular pet insurance often does not cover the theft or death of a pet. Zoos and owners of rare or pricey animals might acquire specialized life and theft plans.
Any condition that can affect both sides of your pet’s body, such as (hip) dysplasia, cruciate ligament problems, or cataracts, falls under this frequent exclusion. Unless your pet has already experienced the ailment on one side of its body, these conditions are often covered. Then, it is not included.
If your pet contracts a preventable disease—like canine influenza, kennel cough, giardia, or parvovirus—and you didn’t vaccinate it against it, treatment is probably not covered.
Exclusion of breeds
Due to their propensity for specific medical disorders like diabetes or ligament injuries, several breeds of dogs and cats are either prohibited from insurance coverage or only available at a premium cost.
Exclusion of age
Insurance companies frequently decline to provide coverage for older or younger dogs. For instance, depending on the type and breed, the majority of insurers won’t cover a pet who is less than eight weeks old or will issue a new policy for one who is 14 years or older.
Services That Are Not Usual or Veterinarian
Naturally, practices or activities not often connected with veterinary care or those not considered standard care are not included. This covers meal preparation, dietary supplements, boarding, travel, grooming, and bathing. The expense of adhering to any law or regulation of the government, behavioral training, experimental treatment, and other services are not reimbursed.
Note: There is sometimes a waiting period (often between 10 and 30 days) before coverage kicks in for a pet insurance policy. Most plans stipulate that any issue that first appeared during the waiting period is not covered once the waiting period has passed, in addition to there being no coverage during the waiting period.
Does Pet Liability Coverage Under Pet Insurance?
If you are wondering what will happen if someone is bitten by your dog or is scratched by your cat or if your pet damages someone else’s property? These kinds of occurrences are often covered by your home insurance. For instance, your house insurance’s liability coverage would often cover medical costs and even a legal defense if your dog bites someone and you are sued. Your pet insurance provider might be able to provide you with some liability protection.