plan restrictions

Please refer to your policy and the plan benefit schedule for a full list of policy exclusions.

Whole Pet with WellnessSM

Excluded conditions or procedures include:

  • Pre-existing conditions
  • Additional excluded conditions identified on the declarations page or renewal certificate of your policy
  • Behavioral training, therapy or treatment that is: (1) not prescribed by a veterinarian or (2) pet obedience training
  • Foods or dietary or nutritional supplements used to preserve or improve general nutrition or health (as opposed to treating a condition), even if prescribed by a veterinarian
  • Boarding, storage, transportation, grooming or bathing
  • Fees or other expenses not directly related to veterinary services including (1) waste disposal, (2) record access or copying, (3) any license or certification, except a state or federal health certificate provided to you by your veterinarian, (4) compliance with any government rule or regulation, (5) any tax, or (6) any charge assessed by any bank, credit card company, or other financial institution
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the veterinary medical board of your state

Major Medical Plan

Excluded conditions or procedures include:

  • Pre-existing conditions
  • Any additional excluded condition listed on the policy declarations page or renewal certificate
  • Certain bone or joint conditions associated with (1) hip dysplasia, or any luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4) osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral head, but we do provide limited additional coverage for specified ineligible conditions
  • Cruciate ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months of the policy
  • Cervical vertebral instability/wobbler syndrome, but we do provided limited additional coverage for specified ineligible conditions
  • Angular limb deformity
  • Congenital anomalies or developmental defects
  • Hereditary disorders, but we do provide limited additional coverage for specified ineligible conditions
  • Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration including veneers, crowns, caps or other prosthetic devices, (3) temporomandibular joint (TMJ) disease, (4) enamel hypoplasia, (5) gingivitis, or (6) tooth hygiene or appearance including teeth cleaning and polishing
  • Diagnosis of, or treatment for, internal or external parasites
  • Elective procedures or cosmetic surgeries
  • Expression of anal glands, anal sacculitis, or removal of anal glands
  • Preventive gastropexy, tail docking, dewclaw removal, ear cropping, skin fold resection, vulvar episioplasty, declawing, or nail trims
  • Breeding or pregnancy including Cesarean section, dystocia, termination of pregnancy, pseudopregnancy, spaying or neutering
  • Spay/neuter (unless optional wellness rider with spay/neuter benefits is purchased)
  • Special diets, pet foods, or dietary or nutritional supplements
  • Boarding, transportation, grooming, or bathing
  • Routine examinations, preventive treatment—including vaccines, or diagnostics associated with preventive treatment (unless optional Pet Wellness plan is purchased)
  • Diseases that are preventable by vaccination
  • Age-related changes to your pet's eyes or ears
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the board of veterinary medicine of your state
  • Diagnosis, treatment, training, or therapy for behavioral problems
  • Fees or other expenses not directly related to veterinary services
  • Diagnosis or treatment of any complication or progression of any condition excluded by this policy

Medical Plan

Excluded conditions or procedures include:

  • Pre-existing conditions
  • Any additional excluded condition listed on the policy declarations page or renewal certificate
  • Certain bone or joint conditions associated with (1) hip dysplasia, or any luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4) osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral head
  • Cruciate ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months of the policy
  • Cervical vertebral instability/wobbler syndrome
  • Angular limb deformity
  • Congenital anomalies or developmental defects
  • Hereditary disorders
  • Diagnosis or treatment of any condition consisting of, caused by, or associated with: (1) renal dysplasia, (2) cystine or urate urolithiasis, (3) collapsed trachea, (4) prolapsed gland of the third eyelid, (5) everted, scrolled or inverted cartilage of the third eyelid, (6) distichiasis, (7) trichiasis, (8) ectopic cilia, (9) ectropion, (10) entropion, (11) primary glaucoma, (12) retinal dysplasia, (13) progressive retinal atrophy, (14) corneal dystrophy, (15) cataracts of dogs under seven years of age, unless secondary to injury or diabetes mellitus, (16) sex hormone dermatosis, (17) growth hormone dermatosis, (18) hemophilia, (19) inherited coagulation (bleeding) disorders, (20) von Willebrand's disease
  • Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration including veneers, crowns, caps or other prosthetic devices, (3) temporomandibular joint (TMJ) disease, (4) enamel hypoplasia, (5) gingivitis, or (6) tooth hygiene or appearance including teeth cleaning and polishing
  • Diagnosis of, or treatment for, internal or external parasites
  • Elective procedures or cosmetic surgeries
  • Expression of anal glands, anal sacculitis, or removal of anal glands
  • Preventive gastropexy, tail docking, dewclaw removal, ear cropping, skin fold resection, vulvar episioplasty, declawing, or nail trims
  • Breeding or pregnancy including Cesarean section, dystocia, termination of pregnancy, pseudopregnancy, spaying or neutering
  • Spay/neuter (unless optional wellness rider with spay/neuter benefits is purchased)
  • Special diets, pet foods, or dietary or nutritional supplements
  • Boarding, transportation, grooming, or bathing
  • Routine examinations, preventive treatment—including vaccines, or diagnostics associated with preventive treatment (unless optional Pet Wellness plan is purchased)
  • Diseases that are preventable by vaccination
  • Age-related changes to your pet's eyes or ears
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the board of veterinary medicine of your state
  • Diagnosis, treatment, training, or therapy for behavioral problems
  • Fees or other expenses not directly related to veterinary services
  • Diagnosis or treatment of any complication or progression of any condition excluded by this policy

Injury Plan

Excluded conditions or procedures include:

  • Illnesses
  • Pre-existing conditions
  • Any additional excluded condition listed on the policy declarations page or renewal certificate
  • Certain bone or joint conditions associated with (1) hip dysplasia, or any luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4) osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral head
  • Cruciate ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months of the policy
  • Cervical vertebral instability/wobbler syndrome or intervertebral disc disease, rupture, or herniation
  • Angular limb deformity
  • Gastric torsion, dilation, or bloat
  • Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration, (3) temporomandibular joint (TMJ) disease, or (4) tooth hygiene or appearance
  • Diagnosis of, or treatment for, internal or external parasites
  • Elective procedures or cosmetic surgeries
  • Expression of anal glands, anal sacculitis, or removal of anal glands
  • Preventive gastropexy, tail docking, dewclaw removal, skin fold resection, or nail trims
  • Breeding or pregnancy or conditions related to breeding or pregnancy
  • Medication prescribed more than one year after your pet's injury
  • Special diets, pet foods, or dietary or nutritional supplements
  • Boarding, transportation, grooming, or bathing
  • Diagnosis, treatment, training, or therapy for behavioral problems
  • Routine examinations, preventive treatment—including vaccines, or diagnostics associated with preventive treatment (unless optional Pet Wellness plan is purchased)
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the board of veterinary medicine of your state
  • Fees or other expenses not directly related to veterinary services
  • Diagnosis or treatment of any complication or progression of any condition excluded by this policy

Feline Select® Plan

Excluded conditions or procedures include:

  • Pre-existing conditions
  • Any additional excluded condition listed on the policy declarations page or renewal certificate
  • Certain bone or joint conditions associated with (1) hip dysplasia, or any luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4) osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral head
  • Diagnosis of, or treatment for: (1) angular limb deformity or (2) cruciate ligament or meniscal damage or rupture
  • Conditions caused by or resulting from a foreign body
  • Conditions caused by or associated with neoplasia other than benign skin neoplasia
  • Congenital disorders or developmental defects
  • Hereditary conditions
  • Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration, (3) temporomandibular joint (TMJ) disease, (4) enamel hypoplasia, (5) gingivitis, or (6) tooth hygiene or appearance
  • Diagnosis of, or treatment for: (1) any insect bite or sting or (2) any internal or external parasite
  • Elective procedures or cosmetic surgeries
  • Expression of anal glands, anal sacculitis, or removal of anal glands
  • Preventive gastropexy, tail docking, dewclaw removal, skin fold resection, or nail trims
  • Breeding or pregnancy or conditions related to breeding or pregnancy
  • Spaying or neutering (unless optional CareGuard® Premier is purchased)
  • Special diets, pet foods, or dietary or nutritional supplements
  • Boarding, transportation, grooming, or bathing.
  • Routine examinations, preventive treatment—including vaccines, or diagnostics associated with preventive treatment (unless optional Pet Wellness plan is purchased)
  • Age-related changes to your pet's eyes or ears
  • Fees or other expenses not directly related to veterinary services
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the board of veterinary medicine of your state
  • Diagnosis, treatment, training, or therapy for behavioral problems
  • Diagnosis or treatment of any complication or progression of any condition excluded by this policy