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.

Whole Pet with WellnessSM

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

Whole Pet with Wellness doesn’t cover grooming, including shampoos, baths, dips and nail trims.

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.

Plan restrictions

See the full list of exclusions here or refer to the "What We Do Not Cover: Exclusions" section of your policy and your policy Declarations Page.

 

All Other Plans

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.

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 (more details here). If you’re looking for full coverage for hereditary disorders, check out the Whole Pet with Wellness plan.

Cruciate ligament injuries within first 12 months of coverage

That might sound like a mouthful, but it just means that if your pet has an injury to the cruciate ligament or meniscus (those are parts of the knee) within the first year that you're insured, it won't be covered. If the injury happens after your first year, no problem—we've got it covered.

Plan restrictions

See the full list of exclusions here or refer to the “What We Do Not Cover: Exclusions” section of your policy and your policy Declarations Page.

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).