Like all pet insurance providers, we have exclusions, which are treatments we don't cover. Our exclusions help us keep our
pet insurance more affordable and consistent with the beliefs of the American Society for the Prevention of Cruelty to
Animals® (ASPCA).
Inhumane Treatments
Our pet insurance doesn't cover elective procedures the ASPCA opposes like tail docking, ear cropping,
and dewclaw removal.
Hereditary, Genetic, or Congenital Disorders
These are diseases or disorders inherited by your pet, or that your pet is predisposed to getting. Like most pet insurance
providers, we don't cover these conditions or problems directly related to them.
Pre-existing Conditions
Pre-existing conditions are illnesses or injuries that show symptoms, which may or may not have been diagnosed or treated,
prior to a plan's effective date or during a period where there is no coverage for the illness or injury.
Our coverage excludes these conditions.
Ongoing Conditions
Ongoing conditions are illnesses or injuries that show symptoms or have been treated in one plan period,
and need care in subsequent plan periods. Except for the Enduring Care Plan, our base coverage does not cover ongoing conditions unless 180
days have passed since cure and last treatment. However, if eligible, you can add our inexpensive Continuing Care option
to Level 2,
Level 3,
or Level 4 of our base coverage to get uninterrupted coverage
for ongoing conditions.
Treatments Without Clear Standards
Treatments that don't have agreed-upon standards for practice or costs in the veterinary community
are not covered. This includes acupuncture, chiropractic or rehabilitative therapies, vaccine antibody
titers, treatments for behavioral problems, experimental procedures, organ transplants, or holistic,
homeopathic, and herbal supplies and treatments.
Other Exclusions
The costs of breeding or pregnancy, boarding, time and travel to a veterinary clinic, health certificates
or vaccination tags, special diets or food, grooming or supplies, pre-anesthesia tests except before an
eligible dental cleaning, or multiple incidents of foreign object ingestion in a 12-month period are not
covered. We also only offer coverage for dental extractions associated with abscessed, diseased, or broken
teeth, but not gingivitis, periodontal disease, or deciduous teeth. Costs associated with treatment of ACL
or CCL conditions are not covered during your first plan period following enrollment.
Waiting Periods
When you first enroll in our pet insurance, there is a 30-day waiting period before illness coverage takes
effect (not applicable in all states).
Fees Exceeding Reasonable Costs
Our pet insurance reimburses 80% of allowable covered charges. Allowable charges are covered costs that are considered
reasonable for your geographic area. We use available veterinary fee information and proprietary data to determine
fair reasonable costs.
Please note that this is not a complete description of all coverage terms, conditions, and exclusions.
See the coverage terms in your plan for full details.