{"id":2705,"date":"2020-11-06T07:27:20","date_gmt":"2020-11-06T07:27:20","guid":{"rendered":"https:\/\/animalsa2z.com\/?p=2705"},"modified":"2020-11-06T07:27:20","modified_gmt":"2020-11-06T07:27:20","slug":"what-is-covered-in-pet-insurance","status":"publish","type":"post","link":"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/","title":{"rendered":"What is covered in pet insurance?"},"content":{"rendered":"\n<p>When you are choosing insurance for your pet, it is important that the policy suits your needs. Policy documents will state what is and isn\u2019t covered by insurance. Most policies won\u2019t cover the costs of treating pre-existing conditions, dental care, or vaccinations.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>It is important that you read the insurance policy details carefully so you understand what you can claim for your pet. As there are a number of insurance types to choose from, each will cover different things.<\/p>\n\n\n\n<p>Read on to find out about the different types and if there are any exclusions you need to be aware of.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Types_of_pet_Insurance\" title=\"Types of pet Insurance\">Types of pet Insurance<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Accident_Only\" title=\"Accident Only\">Accident Only<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Time_Limited\" title=\"Time Limited\">Time Limited<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Lifetime\" title=\"Lifetime\">Lifetime<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#What_does_pet_insurance_cover\" title=\"What does pet insurance cover?\">What does pet insurance cover?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Are_there_any_exclusions_in_pet_insurance\" title=\"Are there any exclusions in pet insurance?\">Are there any exclusions in pet insurance?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Short_video_What_isnt_covered_in_pet_insurance\" title=\"Short video: What isn&#8217;t covered in pet insurance\">Short video: What isn&#8217;t covered in pet insurance<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Frequently_asked_questions_about_pet_insurance\" title=\"Frequently asked questions about pet insurance\">Frequently asked questions about pet insurance<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#What_kind_of_policy_should_I_choose\" title=\"What kind of policy should I choose?\">What kind of policy should I choose?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Where_can_I_buy_pet_insurance\" title=\"Where can I buy pet insurance?\">Where can I buy pet insurance?<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/#Always_check_the_policy_documents\" title=\"Always check the policy documents\">Always check the policy documents<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_pet_Insurance\"><\/span>Types of pet Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>All insurance providers will offer different types of policy to suit everyone\u2019s budget and circumstances. There are three main types for people to choose from, all of which have pros and cons.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Accident_Only\"><\/span>Accident Only<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is the cheapest of the policies as it only covers accidents. It will provide owners with a fixed sum for each accidental injury which will be used to treat the pet. The negative is that it doesn\u2019t cover illness at all, which means the owner will have to pay for the treatment.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Time_Limited\"><\/span>Time Limited<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A time limited insurance policy is often active for a year and has a per-condition limit which a claim can be made against. The problem with time limited policies is that if a pet suffers from a condition after the 12 months are over, it will be classified as a pre-existing condition.<\/p>\n\n\n\n<p>It will be harder in the future to get a policy that covers the condition. Time limited policies work well for short term problems that can be easily fixed, such as an eye infection.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lifetime\"><\/span>Lifetime<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Finally, we have the lifetime insurance policy, which is the most popular option for pet owners. However, it is also the most expensive of the policies offered by providers. It covers both accidents and illnesses, often allocating an amount that can be claimed per year before the policy renews.<\/p>\n\n\n\n<p>Lifetime policies often offer the most coverage for pets and have the fewest exclusions. As long as the policy is renewed., any ongoing illnesses will be covered and won\u2019t be classified as pre-existing.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_does_pet_insurance_cover\"><\/span>What does pet insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your pet is injured or comes down with an illness, pet insurance will cover the costs if a trip to the vet is needed. The amount that will be covered depends on the policy. Insurance can also cover Third Party Liability, which is where an animal might attack another, and you will have to pay for any injuries or damage.<\/p>\n\n\n\n<p>If a pet is lost or stolen, the insurance policy can sometimes pay the purchase price of the pet that\u2019s listed on the receipt or rehoming document. There are also cases where an owner can claim the purchase price if the pet dies. However, most policies will not cover the cremation or burial of a pet.<\/p>\n\n\n\n<p>Sometimes pets need to stay overnight at the vet, and this costs money. Some policies will cover the overnight fees up to a specific amount.<\/p>\n\n\n\n<p>If a vet suggests an alternative treatment for an animal such as an herbal medicine, this can sometimes be covered by pet insurance. Other treatments might include acupuncture or hydrotherapy to treat an injury.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Are_there_any_exclusions_in_pet_insurance\"><\/span>Are there any exclusions in pet insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Depending on which policy type you end up choosing, there will be exclusions. These are things that won\u2019t be covered by the insurance and you will have to pay for them out of pocket.<\/p>\n\n\n\n<p>Exclusions can include the following:<\/p>\n\n\n\n<ul><li>Deductible: Also known and an excess, this is the amount that the owner will need to pay when making a claim. The deductible you pay will depend on the plan you\u2019re on, the age of the pet and what you\u2019re claiming.<\/li><li>Routine treatments: This includes the bi-annual checks that examine your pet\u2019s health. Insurance also won\u2019t cover teeth examinations, or flea and worming treatments for the pet.<\/li><li>Vaccinations: Owners will have to pay for vaccinations to protect against common illnesses such as hepatitis, parvovirus, feline infectious enteritis, cat flu and more.<\/li><li>Older pets: Pets over a certain age might not be able to get a lifetime policy due to them being at risk of developing long term problems.<\/li><li>Certain breeds: For dogs, there are banned breeds in certain countries which you won\u2019t be able to get pet insurance for.<\/li><li>Pre-existing conditions: A pre-existing condition that started before the insurance policy was activated won\u2019t be covered.<\/li><li>Euthanasia: Most insurance policies won\u2019t cover the cost of putting a pet to sleep.<\/li><li>Pregnancy: If a pet is pregnant or has given birth, some policies won\u2019t cover any injuries, illness, death or hospital visits related to the pregnancy. However, breeders can be offered different insurance policies that can cover puppies and kittens.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Short_video_What_isnt_covered_in_pet_insurance\"><\/span>Short video: What isn&#8217;t covered in pet insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"What isn\u2019t covered by pet insurance (cats &amp; dogs)\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/fxDS86sAEEw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_about_pet_insurance\"><\/span>Frequently asked questions about pet insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_kind_of_policy_should_I_choose\"><\/span>What kind of policy should I choose?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You should choose a policy that suits your budget. It is important to consider how much it will cost each month and what the deductible is. Would you be able to pay it at short notice if your pet gets sick or has an accident?<\/p>\n\n\n\n<p>Unfortunately, there is no way of knowing when something might happen to your pet. If you want to have peace of mind, then choosing an insurance policy that covers many different things would be a good option.<\/p>\n\n\n\n<p>Another thing to consider when choosing a policy is the risk with your pet. Certain breeds are known to have hereditary conditions that might need treatment in the future. Insurance will help to cover these costs and ensure the pet gets the help they need.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Where_can_I_buy_pet_insurance\"><\/span>Where can I buy pet insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pet insurance is often bought directly from the provider, whether on their website or over the phone. However, before you decide on a policy you can compare different price quotes on comparison websites. That way you can get the best deal for your pet.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Always_check_the_policy_documents\"><\/span>Always check the policy documents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To find out what is and isn\u2019t covered in pet insurance, it\u2019s always a good idea to read the fine print. Whether it is on a provider\u2019s website or in the policy documents, you will be able to find out what the policy will cover and if there are any exclusions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/10\/What-is-covered-in-pet-insurance_-pinterest-template-01-683x1024.jpg\" alt=\"What is covered in pet insurance?\" class=\"wp-image-2707\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>When you are choosing insurance for your pet, it is important that the policy suits your needs. Policy documents will state what is and isn\u2019t covered by insurance. Most policies<\/p>\n","protected":false},"author":4,"featured_media":2706,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is covered in pet insurance? [ Detailed Answer ]<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is covered in pet insurance? [ Detailed Answer ]\" \/>\n<meta property=\"og:description\" content=\"When you are choosing insurance for your pet, it is important that the policy suits your needs. 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