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Exclusions – What We Don’t Cover

As pet owners and lovers, we understand it can be frustrating when something is not covered. However, in order to keep our premiums low, we can not cover everything. That is why we are upfront about what we do and do not cover. Below are our policy exclusions by product. Please refer to your policy for a full list of policy exclusions.

Accident & Illness Policy

  • Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing
  • Anal sac (gland) expression and/or resection when no infection is present
  • Boarding
  • Breeding, pregnancy, whelping or nursing
  • Conditions that occur during a waiting period
  • Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)
  • Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement
  • Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven
  • Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims)
  • Herbs
  • House call fees, time and travel expenses to and from the veterinarian’s premises or hospital
  • Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet
  • Non-medical supplies such as but not limited to toys, training devices, and leashes
  • Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax)
  • Pre-existing conditions that occurred on or before the effective date of the policy or during a waiting period
  • Prescription food, pet food, diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian
  • Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement
  • Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian
  • Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing

Accident Only Policy

  • The above exclusions for Accident and Illness
  • Any expenses related to any illness