There are many things you should consider when shopping for pet insurance, and some of those things are exclusions and limitations. In short, what will your insurance not cover? If you are like most other people, you are considering pet health insurance to help you alleviate the costs of vet bills. However, you need to make sure you examine your provider’s exclusions before signing any paperwork.
Read All Fine Print
Just as with any other big decisions in your life, it is essential for you to read all of the small print on any paperwork before you sign it. In some cases, it can mean the difference between getting a pet health claim settled or not. Find out what all of the exclusions and limitations are so that you can decide if the policy is for you.
If your furry friend has any existing medical problems, you will want to make sure that they will be covered under your policy. Many cat and dog insurance providers exclude pre-existing health conditions. Additionally, some companies exclude various breeds of pets. As such, make sure that your policy covers the breed of cat or dog that you have.
The reason that dog and cat insurance companies exclude various breeds is not so much just because of the breed: It is because of the fact that many breeds are prone to congenital and/or hereditary conditions that may be excluded in the policies. Typically, these are serious or long-term conditions that are extremely expensive to treat.
Other Common Exclusions
There are typically also exclusions pertaining to when a condition developed. For example, if your pet became ill right before you purchased the policy, chances are, the condition will not be covered. Furthermore, while some pet health insurance plans will cover chronic conditions, they may not cover them for the life of your pet.
In many cases, there are limitations on claim reimbursements as well. Find out if there are any limitations as to how often you can file claims and how much you will have to pay out of your own pocket. Nobody wants to be stuck with a large vet bill if it is not necessary.
Weigh the Pros and Cons
It is quite easy to find out what exclusions and limitations pet insurance companies place on their policies. You simply need to check online. After conducting your research, weigh all of the pros and cons and decide if the policy is what you need for your pet.