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What Our Pet Insurance Doesn't Cover

Like all pet insurance providers, we have exclusions, which are treatments we don't cover. Our exclusions help us keep our pet insurance more affordable and consistent with the ASPCA's beliefs.

Inhumane Treatments

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

Hereditary, Genetic, or Congenital Disorders

These are diseases or disorders inherited by your pet, or that your pet is predisposed to getting. Like most pet insurance providers, we don't cover these conditions or problems directly related to them.

Pre-existing Conditions

Pre-existing conditions are illnesses or injuries that show symptoms, which may or may not have been diagnosed or treated, prior to a plan's effective date. Our coverage excludes these conditions.

Ongoing Conditions

Ongoing conditions are illnesses or injuries that show symptoms or have been treated in one plan period, and need care in subsequent plan periods. Our base coverage does not cover ongoing conditions unless 180 days have passed since cure and last treatment. However, you can add our inexpensive Continuing Care option to Level 2, 3, or 4 of our pet insurance to get uninterrupted coverage for ongoing conditions.

Treatments Without Clear Standards

Treatments that don't have agreed-upon standards for practice or costs in the veterinary community are not covered. This includes acupuncture, chiropractic or rehabilitative therapies, vaccine antibody titers, treatments for behavioral problems, experimental procedures, organ transplants, or holistic, homeopathic, and herbal supplies and treatments.

Other Exclusions

The costs of breeding or pregnancy, boarding, time and travel to a veterinary clinic, health certificates or vaccination tags, special diets or food, grooming or supplies, pre-anesthesia tests except before an eligible dental cleaning, or multiple incidents of foreign object ingestion in a 12-month period are not covered. We also only offer coverage for dental extractions associated with abscessed, diseased, or broken teeth, but not gingivitis, periodontal disease, or deciduous teeth. Costs associated with the treatment of ACL or CCL illnesses or injuries are not covered during the initial plan period following enrollment.

Waiting Periods

When you first enroll in our pet insurance, there is a 30-day waiting period before illness coverage takes effect (not applicable in all states).

Fees Exceeding Reasonable Costs

Our pet insurance reimburses 80% of usual and customary covered charges. These are covered costs considered reasonable in areas similar to yours. We use internal claims data and available industry information to determine fair reasonable costs.

Please note that this is not a complete description of all coverage terms, conditions, and exclusions. Please refer to your plan or see our sample plans for full details.