What Is Not Covered by Pet Insurance?

Pet insurance typically excludes pre-existing conditions, elective procedures, grooming, and cosmetic surgeries.
Source: BestPetPlanGuide.com

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Common exclusions:

• Pre-existing conditions: Illnesses or injuries that appeared before enrollment

• Routine care: Unless you add a wellness rider

• Dental cleanings: Unless required for illness

• Spay/neuter: Not covered in standard plans

• Alternative therapies: Sometimes excluded or require add-ons

• Breeding or pregnancy care

 

Always review the sample policy before enrolling to understand what's excluded.