Pet Insurance Coverage Exclusions and Limits

Thanks to a worthy and timely initiative started by top insurance companies today, Pet Insurance is alive and kicking.

The simple cover might have arrived at the perfect moment for pet lovers as repeated visits to the vet were a nuisance and, of course, costly.

This is how it works:

You pay a regular premium, and your cat, dog or other pet is attended to and treated almost at no cost.

Nonetheless, the cover does not cover all that ails your pet.

Owing to the rising veterinary costs and the arrival of expensive methods of treatment tailored at these animals’ wellness, a huge chunk of these service providers have had to re-write their rules. One remarkable feature not covered by the plan is any deliberate injury to the animal. This includes all those injuries inflicted at home and injuries and illnesses after a fight as well as injuries resulting from cruelty and neglect.

Moreover, most of the insurance companies offering pet insurance do not cover treatments that aren’t prescribed by the vet. Similar to any pre-existing conditions, your personal prescriptions that have not been approved by the veterinary officer recommended by the firm won’t be covered. It simply means that both this feature and those factors which your pet was suffering from before taking the cover won’t be insured.

Breeding, parallel to the pet’s pregnancy cases, are not under what a typical pet insurance policy covers. Additionally, if the pet is using prosthetic limbs and mobility aids, the tools aren’t covered by the policy as well. If the pet is actually a money-generating tool, a guard or is used for training, the cover will also be scrapped off.

Far from what the vet recommends, the pet’s DNA testing and organ transplant aren’t included as they aren’t deemed necessary for the animal’s wellness. Furthermore, when the pet isn’t registered with relevant authorities, most insurers will decline to issue a cover as the pet’s history is unknown.

Recently, many pet insurance providers also included the clause pertaining to cosmetic procedures. If the pet’s owner would like the pet to undergo such procedures as ear cropping, tail docking and claw removal, the total costs won’t be covered by the insurer.

Matters touching on pet insurance have recently become pretty complicated because of the unpredictability of the pet and the changing environment in the insurance sector. Some firms even don’t cover a registered pet once it crosses a particular territory or is at a foreign state. Nevertheless, pet insurance still enjoys widespread fame with statistics showing that a third of cats and two-thirds of all dogs are insured. The two animals are arguably the most popular animal pets.

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