Pet Insurance Coverage Exclusions

Like all pet insurance providers, we have exclusions that help us keep our premiums lower. Our pet insurance does not cover:

• Illnesses during the first 30 days of the plan
• Pre-existing illnesses or injuries
• Ongoing conditions, unless you add our Continuing Care coverage option to Levels 2, 3, or 4
• Congenital and hereditary disorders
• Behavioral problems
• Holistic/Homeopathic/herbal supplies or treatment
• Acupuncture
• Chiropractic or rehabilitative therapies
• Costs of breeding/pregnancy
• Grooming and supplies
• Boarding
• Experimental procedures
• Organ transplants
• Elective procedures the ASPCA opposes, such as tail docking, ear cropping, or dew claw removal
• Time and travel to veterinary hospital
• Health certificates or vaccination tags
• Vaccinations other than those mentioned in the plan
• Dental cleanings, unless you choose Level 4 of our coverage
• Diagnosis, treatment, or surgery related to Anterior Cruciate Ligament (ACL) or Cranial Cruciate Ligament (CCL) damage that occurs or is symptomatic within the first 12 months of the initial effective date following enrollment
• Multiple incidents (more than one) of foreign object ingestion in a 12 month plan period

Please contact us for more information. To compare our plans, click here.

Please note that this is not a complete description of all coverage terms, conditions, and exclusions. See the coverage terms in your plan for full details.