What’s not covered
As pet lovers ourselves, we know it’s disappointing that not everything is covered. We’ve tried to keep exclusions to a minimum while still keeping our plans affordable.
Please refer to your policy for a full list of exclusions** or review our sample policies. Your policy may also have Additonal Excluded Conditions, which are listed on your Declarations Page or Renewal Certificate.
Plans may not be available to all persons in all states.
Pre-existing conditions
A pre-existing condition is basically any illness or injury that your pet had before coverage started. The good news is, not all pre-existing conditions are excluded permanently. If you have medical records from your vet showing that your pet's condition has been cured for at least six months, you may be able to get it covered.
Grooming
Our plans don't cover grooming, including shampoos, baths, dips and nail trims.
Cruciate ligament problems during coverage waiting period
This means that if your pet has a problem with a cruciate ligament or meniscus (those are part of the knee) during the waiting period, it won’t be covered. See state waiting periods for more information.
Congenital anomalies or developmental disorders
Congenital disorders are medical conditions that are present from birth, whether inherited or caused by the environment. Developmental disorders are problems that come up because of faulty development. Coverage is available on select plans providing the condition is not visible or has not developed to the point where signs or symptoms are apparent.
Hereditary disorders
Hereditary disorders are problems that get passed down from your pet's parent(s), whether or not they're visible. Limited coverage for hereditary disorders is available on the Major Medical plan.
Expenses not directly related to veterinary services
Fees such as waste disposal, tax, record access/copying, and bank or credit card fees are not eligible for reimbursement.
Wellness, routine and preventive care
Wellness exams, treatments and procedures are not covered unless a wellness plan is purchased either individually or as a rider. Such treatments and procedures include, but are not limited to, services such as vaccinations, flea/heartworm prevention and health screens (blood tests).
Plan restrictions
See the full list of exclusions or refer to the "What We Do Not Cover: Exclusions" section of your policy and your policy Declaration Page.
**Your policy may also have Additional Excluded Conditions, which are listed on your Declarations Page or Renewal Certificate.