Covered.
Not covered.
A plan pays for things that go wrong unexpectedly. It doesn't pay for things you could see coming — pre-existing conditions and routine care, mainly.
Accidents
The sudden, expensive things — a fall, a fight, a swallowed sock.
- Broken bones
- Torn ligaments
- Swallowed objects
- Lacerations & bite wounds
- Toxic ingestion
Illness
Diagnosis and treatment of conditions that develop after coverage starts.
- Cancer
- Diabetes
- Skin & ear infections
- Digestive illness
- Hereditary conditions
Diagnostics & care
The work it takes to find out what's wrong, and to fix it.
- Bloodwork & imaging
- Surgery & hospitalization
- Prescription medication
- Specialist referrals
- Emergency visits
Read this part twice.
Every carrier writes these into the policy, not just the one we end up placing you with.
Pre-existing conditions
Anything your pet showed signs of before coverage started, whether or not it was diagnosed. This is the single biggest reason to enroll while a pet is healthy — and the single biggest source of denied claims.
Waiting periods
Coverage starts after a waiting period, typically a few days for accidents and around two weeks for illness. Orthopedic conditions often wait longer.
Routine & preventive care
Vaccines, annual exams, dental cleanings, and spay/neuter are not covered by an accident-and-illness plan. Some carriers sell a separate wellness add-on for these.
Cosmetic and elective procedures
Tail docking, ear cropping, declawing, and anything else not medically necessary.