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What’s Not Covered

Our plans have exclusions to help keep premiums lower and uphold humane standards set by the ASPCA®. We’ve thought carefully about these exclusions, and we want you to know exactly what you’re getting with our coverage.

Inhumane treatments

Our pet insurance doesn’t cover elective procedures the ASPCA® opposes like tail docking, ear cropping and claw removal.

Pre-existing conditions

Pre-existing conditions are conditions that occur before coverage begins or during a waiting period. These conditions are not covered unless they have been cured and treatment-free for 180 days. Waiting periods apply for illnesses (30 days in most states), hereditary and congenital conditions (6 months) if applicable, and knee and ligament injuries such as Anterior Cruciate Ligament (ACL) (12 months).

Some dental conditions

We only cover dental extractions for teeth that are broken as a result of an injury or abscessed. Our plans do not cover treatments related to dental diseases, such as gingivitis or periodontal disease, or extractions of deciduous teeth.

Miscellaneous exclusions

The costs of breeding or pregnancy, boarding, time or travel to a clinic, health certificates or vaccination tags, special diets or food, grooming or supplies, experimental procedures, organ transplants, and holistic, homeopathic, or herbal supplies aren’t covered.

Multiple foreign object ingestions

We don’t cover multiple surgical incidents of foreign object ingestion in a 12-month policy period.

Fees exceeding usual and customary costs

We reimburse 90% of usual and customary covered charges, which are costs considered typical in areas similar to yours. We use available industry and proprietary data to determine these costs.

Ongoing conditions for pets not eligible for Continuing Care

On Levels 2, 3 and 4, dogs who are 9 years old and greater, and cats 11 years old and greater at initial enrollment are not eligible for Continuing Care, which covers ongoing conditions. All pets enrolled in Level 1 are eligible for Continuing Care. Without Continuing Care, conditions that need care across multiple plan periods are only covered if 180 days pass after cure and last treatment.

Learn more about our pet insurance coverage by viewing our sample plans, or see options and rates for your pet now with a free quote.

Find the option that’s right for you.