“What does pet insurance cover?” This question is as important as, “What does pet insurance not cover?” Pet health insurance exclusions are a very important part of this question. If something is listed in your policy’s exclusions it is just that -- excluded. Be sure to determine what exclusions will apply to your pet when purchasing a pet insurance policy.
Normally, exclusions are pre-existing conditions or breed specific (hereditary) defects that the policy excludes. For example, hip dysplasia is a hereditary condition commonly found in dogs. Because of this, it is less likely that a pet insurance provider will cover it, thus it will be listed as an exclusion.
Exclusions help insurance companies to provide affordable pet health insurance by balancing the coverage provided, versus the cost of a policy.
However, exclusions don’t always have to be something that is breed specific. It is possible that a condition previously treated, that was not originally an exclusion, could become one when the policy is renewed. For example, if your pet had a joint problem that was treated in the previous year’s policy, it might become an exclusion upon renewal of the policy.
Chronic care coverage can sometimes be helpful for recurring conditions with your pet. Usually for an additional premium amount, the policy will not exclude conditions that occurred in previous policy periods.
As always, spend some time shopping around and comparing policies to see if the coverage you want is actually the coverage you are getting. Remember, if you buy the cheapest pet insurance, it may have the most exclusions.