Things Your Pet Insurance Policy May Not Cover

Pet insurance is great protection and helps you save money in the long run, but make sure you know what is not covered too.

15:27 23 February 2013

When you shop around for pet insurance coverage, it’s typical to focus on the coverage you’re going to be receiving. People sometimes spend quite a bit of time comparing plans, limits, excesses and extras.

There is usually so much information that people can’t focus on the things that are not covered, but that leaves room for some unpleasant surprises. Here are seven things your pet insurance may not cover, so you’ll still want to make sure you have money saved up for these:

 

●Dental and/or gum treatments

●Death due to illness after a certain age

●Cosmetic and other elective treatments

●Food, even special food prescribed by a vet

●Incidents occurring within the grace period of a new policy

●Grooming

●Spaying/neutering procedures

 

Visits to the vet add up, and sometimes procedures are not always optional. The pet insurance company, depending on your specific company and policy, does not need to pay towards or reimburse for certain procedures. Some policies may not cover vaccinations, or flea treatments.

 

In reality, your pet will probably need a flea treatment at some point in its life and vaccinations are a requirement for a healthy pet. This means you’ll have to be prepared to pay these up front, so be sure and find out what is not covered for your particular policy.

 

You may find information on your company’s website, but there should also be some written documentation that you can either download for quick reference or a physical copy of all the details of what is, and is not, covered by your policy. 

 

If you are looking for specific coverage, such as help with vaccinations, make sure to shop around or ask your existing pet insurance company if they have an option that will allow you to add such coverage.