Dog Insurance 101: What is actually covered?
The Short Answer
Standard pet insurance covers the unexpected: accidents (broken bones, swallowed socks) and illnesses (infections, cancer). It typically excludes pre-existing conditions and routine care (vaccines, checkups) unless you buy a wellness add-on.
What is usually covered? ✅
- Accidents: Broken bones, bite wounds, car accidents, ingestion of foreign objects.
- Illnesses: Digestive issues, infections, cancer, diabetes, allergies.
- Hereditary Conditions: Hip dysplasia, eye disorders (check waiting periods).
- Emergency Care: Surgery, hospitalization, X-rays, MRIs.
- Prescriptions: Medications prescribed for covered conditions.
What is usually NOT covered? ❌
- Pre-existing Conditions: Anything noted in medical records before the policy start date.
- Routine Care: Annual exams, vaccinations, flea/tick prevention (Wellness plans cover this).
- Cosmetic Procedures: Tail docking, ear cropping.
- Breeding Costs: Pregnancy and birth (unless specialized rider).
Key Terms to Know
Deductible
The amount you pay before insurance kicks in (e.g., $250/year).
Reimbursement Rate
The % of the bill the insurer pays after the deductible (usually 70%, 80%, or 90%).
Annual Limit
The max amount the insurer will pay in a year. Some plans have "Unlimited".
Waiting Period
Time before coverage starts (e.g., 14 days for illness, 6 months for orthopedic issues).