What's Not Covered

What is Not Covered

VPI Pet Insurance uses a benefit schedule, which identifies how much is available for reimbursement, per incident. To help keep your premiums affordable, there are specific exclusions to coverage. Please be sure to read the list below, your policy and your Declarations Page for the complete list of exclusions.

Pre-existing conditions

A pre-existing condition is an injury or illness that began or was contracted, manifested, or incurred before the date the policy coverage begins. Some pre-existing conditions are temporary and may be covered during the policy term if the condition has been cured for at least six months (medical records from your veterinarian required). Some pre-existing conditions are permanent and will not be covered.

Congenital defects or diseases are pre-existing conditions by definition. Congenital disorders are abnormalities that are present at birth that can cause illness or disease.

Hereditary disorders

Hereditary disorders are abnormalities genetically transmitted from parent to offspring that may cause illness or disease. There are certain breed-specific hereditary conditions that are not covered by a VPI medical policy. For a list of breed-specific conditions for dogs click here and for cats click here.

Anterior Cruciate Ligament (ACL)

The diagnosis, medical management or surgical correction of anterior cruciate ligament (ACL) damage or rupture that occurs during the first 12 months of the policy is not covered.

Conditions not listed

Your pet may incur conditions that are not covered by VPI and are not included on your policy’s benefit schedule. For a list of some of these conditions, please click here.

Other excluded conditions include:

Elective and cosmetic procedures
Expression or removal of anal glands or anal sacculitis
Breeding or conditions related to breeding
Special diets, pet foods, vitamins, mineral supplements, boarding or transporting expenses, grooming costs
Diseases that are preventable by vaccines
Behavioral problems
Diagnosis of, or treatment for, internal or external parasites
Orthodontics, endodontics and removal of deciduous teeth
Diagnostic tests and treatments for conditions excluded or limited by the policy or complications arising from conditions excluded or limited by the policy
Routine examinations, vaccines, teeth cleaning and spay/neuter, unless the optional Pet Wellcare Protection Coverage is purchased.

Enroll Today

To help your pet live a long and healthy life it's recommended that you enroll your pet when they're young and have no pre-existing conditions.

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USE ANY LICENSED VETERINARIAN,
even when you’re
out of town.