What Does Pet Insurance Cover?
Every company is different, so it's important to understand what will pet insurance cover. Generally, it's easiest to uncover exactly what the different companies do not cover. If it's not on that list, you'll know if a condition or disease will be paid by the pet insurance company.
VPI Pet Insurance Coverage
Depending on your plan, VPI pet insurance covers emergency care following an accident. This includes surgeries, x-rays and other important tests. The exact amount of medical pet insurance coverage depends on the policy you purchase.
You should know what VPI pet insurance doesn't cover. They will not pay for treatments or procedures for any pre-existing condition. They also will not provide coverage for many genetic conditions. While they cover injuries to an animal's anterior cruciate ligament, they will not cover it for the first year of pet insurance coverage.
In addition to these more commonly refused medical conditions, there are others that many people miss because they don't carefully check the fine print. Conditions that will not be covered by VPI veterinary health insurance include:
- Behavioral issues
- Blood disorders
- Cataracts dogs under 7 years of age
- Cherry Eye
- Collapsed trachea
- Corneal dystrophy
- Cosmetic procedures
- Diagnostics and treatments for intestinal parasites
- Elbow, hip, renal or retinal dysplasia
- Expression of the anal glands
- Glaucoma
- Histiocytosis
- Instability of the cervical vertebrae
- Orthodontics
- Osteochondritis
- Patellar luxation
- Prescription diets or vitamin supplements
- Preventable (vaccine) diseases
- Retinal atrophy
- Von Willebrand's disease
ASPCA Pet Insurance Coverage
Start learning about what will pet insurance cover by looking at the items the ASPCA's leading pet insurance plan refuses to pay for. It's important to know that you must have had the policy for a minimum of 30 days before insurance coverage will pay for any treatments.
The company has a strict rule barring coverage on treatments considered inhumane, such as tail docking or declawing. They also do not pay for breeding, prescription diets or pre-anesthesia testing. If you have a puppy with a habit of swallowing things, be warned that the ASPCA pet health insurance will only cover one incident in a year.
ASPCA medical pet insurance also does not cover congenital conditions or pre-existing conditions. If your animal has received treatment for a condition in the past 180 days, the ASPCA pet insurance company will not pay for a second round of treatments unless you purchase a continuing car rider.
Holistic veterinary care is not covered by the ASPCA veterinary health insurance policy. They also will not pay for experimental treatments or procedures, organ transplants or acupuncture.
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