Pet insurance is a great way to protect your furry friend from unexpected medical expenses, but it's important to be aware of what it doesn't cover. Here are some common exclusions to pet insurance policies:

What Does Pet Insurance Not Cover?

Pre-existing Conditions

Most pet insurance policies will not cover pre-existing conditions, which are medical conditions that your pet had before the policy went into effect.

This is because pre-existing conditions are considered to be a known risk, and insurance companies don't want to pay for them.

Routine Care

Pet insurance policies typically do not cover routine care, such as vaccinations, deworming, and teeth cleaning.

This is because these are considered to be routine expenses that you should budget for as a pet owner.

Elective Procedures

Pet insurance policies also typically do not cover elective procedures, such as cosmetic surgery, ear cropping, and tail docking.

These are considered to be optional procedures that you do not need to have performed on your pet.

Behavioral Problems

Pet insurance policies typically do not cover behavioral problems, such as aggression, anxiety, and separation anxiety.

This is because these are considered to be training issues, not medical conditions.

Injury Caused by Negligence

Pet insurance policies typically do not cover injuries that are caused by negligence on the part of the pet owner.

For example, if your pet is injured because you left it outside unattended, your pet insurance policy will not cover the costs of its medical care.

Damage to Property

Pet insurance policies typically do not cover damage to property that is caused by your pet.

For example, if your pet chews on your furniture or scratches your floors, your pet insurance policy will not cover the costs of the damage.