Your policy will have a list of exclusions. Some plans offer unlimited payout maximums.Ĭheck the plan documents for any limitations to what’s covered, such as: Exclusions ![]() The insurance company will send you reimbursement until it has paid the maximum your plan allows in a year, such as $5,000. After that, you’ll still pay your vet directly and then submit your bills to the pet insurer for reimbursement. If you have a pet insurance plan, you’ll generally have a deductible amount that you pay for veterinarian bills before coverage starts. For example, if your vet recommends a dental cleaning due to dental issues for your pet and you fail to do so, you might not be covered for subsequent vet expenses related to dental illness. Your policy might also require you to maintain the level of recommended care from your veterinarian. But you can often add a wellness plan to your pet insurance policy if you want coverage for vaccines. A standard pet insurance plan typically does not cover vaccines and booster shots. Pet insurance won’t cover procedures such as declawing, ear cropping and tail docking. Conditions that recur after 180 days are treated as a new problem and are covered. For example, ASPCA pet insurance will cover curable conditions if your pet is free of symptoms and treatment for 180 days. However, some insurers extend coverage to “curable” pet pre-existing conditions, like an ear infection. Injuries and illness that occur before your pet insurance coverage begins are not covered. Most plans won’t cover lost or stolen pets, but some insurers will pay for the cost of advertising and rewards as an optional coverage, such as the Extra Care Pack from Figo pet insurance. Expenses such as grooming, nail trims and shampooing are not covered. Your pet’s regular food and supplements, such as vitamins, are not covered by pet insurance, but some plans cover prescription pet food. Costs such as taxes or administrative fees charged by your vet are typically not covered.
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