16:26 19 February 2013
Pets require a lot of care and maintenance and it is nice to have insurance to help whenever possible. If you are a new pet owner, or you have never had pet insurance before, you may be wondering about what types of things are covered, or are not covered.
Here is a list of a few things that are usually not covered by insurance companies, although you will still want to check with any companies you are interested in as each one differs from the next.
1) Illnesses or conditions that were identified, or that started, before the date of coverage.
2) Any excess payments specified by the policy.
3) Regular costs such as food, toys, and other accessories.
4) Certain congenital defects or other health conditions.
5) Flea treatments.
Again, this is just a generic list. Actual coverage depends upon the insurance company you have chosen, or choose to use. In addition to the insurance companies being different, many offer a variety of plans. Some of these may be included with certain types of policies.
The best bet if you are in any doubt is to get in touch with the company directly so they can check the type of plan you have and tell you exactly what is covered. Some companies can offer additional insurances to cover these other situations as well. Be sure to ask your pet insurance company about any optional coverage plans they can provide in case you find ones that suit your needs.
This is not an all-inclusive list, so there may be other things, which are not covered, but are not on the list. Many of these are fairly standard across a variety of insurance companies, which is why they are on this list so you will be able to prepare for the expenses you may end up being responsible for.
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