What Do Pet Insurance Plans Cover?
When you are choosing a pet insurance plan, you need to consider several things, including what you want covered (Do I want routine care coverage? What about prescription drugs?), how you want it covered (Do I want a low deductible or a high one?), and what you want to pay (How does the price fit my budget?).
Every pet insurance company's plans are different so it is important that you understand your options.
What Treatments Are Usually Covered?
Treatments that are covered by most pet insurance plans include:
- Non-elective surgery
- Anesthesia
- Laboratory and diagnostic routines such as blood tests and ultrasound scans
- Hospital stays
- Initial and follow-up visits to the veterinarian
- Medication administered by a veterinarian
- Euthanasia for humane reasons
Many pet insurance companies don't offer routine care coverage although some companies have plans that provide a fixed amount back for certain routine care items such as vaccinations or deworming treatment.
Find out why Embrace doesn't offer routine care coverage.
What Treatments Are Not Covered?
Conditions or treatments that may be covered partially or not at all include:
- Genetic conditions
- Cosmetic procedures such as tail docking
- Routine care and regular visits to your veterinarian for vaccinations, deworming, and so on
- Chronic illnesses lasting more than one year
- Alternative and complementary therapies such as acupuncture
- Dental diseases such as gingivitis
- Genetic testing
- Organ transplants
Many pet insurance companies consider genetic and congenital conditions to be pre-existing conditions and do not cover them.
Some pet insurance plans may not cover chronic conditions. This can cause gaps in your coverage so make sure you ask if they are covered.
Embrace covers both genetic and chronic conditions.