We will not pay for costs associated with or resulting from the following:

  • Bathing your pet unless a vet certifies that bathing was medically necessary and that only a vet or a member of veterinary staff should bathe your pet.
  • Boarding fees unless deemed medically necessary.
  • Breeding, pregnancy, whelping or nursing unless complications arise from breeding, pregnancy or whelping if the date of the breeding falls after the 14-day waiting period.
  • Cloned pets or cloning procedures, whether or not deemed experimental or for research.
  • Congenital defects or abnormalities where clinical sign(s) were apparent prior to the effective date of the policy or that became apparent during the 14 day waiting period.
  • Cruciate ligaments, luxation of the patella or other knee disorders: Treatment associated with damage or rupture of cruciate ligaments, luxation of the patella or other soft tissue disorders of the knee where clinical sign(s) occur during the first six (6) months that the policy is in effect; provided, however, that this exclusion does not apply if your pet is examined by a vet within the first thirty (30) days of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to its knees.
  • Decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet arising from a repetitive and specific activity if the same or a similar activity has occurred two (2) times within the eighteen (18) month period prior to the initial coverage effective date.
  • Exam fees unless you have chosen to include them. Coverage for exam fees is an option you can add or remove at policy renewal.
  • Elective or specialty procedures, including but not limited to tail docking, dewclaw removal, eyelash removal, ear cropping, spaying or neutering, cosmetic dentistry; elective gastropexy; or routine/preventive anal gland expression. Note that coverage for spaying/neutering is available in the optional wellness add-on packages.
  • Experimental procedures and treatments.
  • Food, including food prescribed by a vet, to treat or prevent illness unless the food is used to dissolve existing bladder stones and crystals in urine (subject to limitations).
  • Grooming or grooming supplies.
  • House calls, unless a vet certifies them essential in an emergency; or extra costs or fees for treating your pet outside of usual surgery hours, unless the treating vet certifies that an immediate life-saving consultation is needed.
  • Housing, including cages – rented or bought.
  • Intervertebral Disc Disease (IVDD) when another disc in the same or neighboring spinal region (e.g. cervical, lumbosacral) was previously treated or showing clinical sign(s) prior to the effective date of this policy or during the 14-day waiting period.
  • Loss if you have not complied with all conditions related to coverage set forth in your policy.
  • Non-veterinary services, including but not limited to federal, state or local taxes, waste disposal, government fees and surcharges, photocopying fees, bank fees and credit card charges, biohazardous waste fees, OSHA fees and maintenance fees.
  • Obedience or training classes, including puppy classes, training, correctional devices, or preventive products; or the treatment of coprophagia or other eating disorders.
  • Organ transplants not deemed medically necessary or not first approved by us.
  • Parasites: Treatments or preventive treatments for parasites or conditions related to parasites (internal or external) unless there is no preventive medication for the parasite including but not limited to heartworms, fleas, ticks, roundworms, tapeworms, or hookworms.
  • Pre-existing conditions including any illness or injury that first showed clinical sign(s) before the effective date of this policy or during the waiting period.
  • Routine and preventive treatments, including but not limited to vaccinations, preventive medications (including those for heartworm and flea and tick prevention), or routine examinations. Coverage for routine examinations and select vaccinations are available in the optional wellness plans.
  • Regimens or therapy not administered or prescribed/referred by a vet (or under a vet’s direct supervision) including holistic, homeopathic, acupuncture, chiropractic, or physical therapy
  • Rental of a pool or hydro-therapy equipment of any type.
  • Telephone consultations, except if provided for an immediate life-saving emergency consultation. While your policy does not cover telephone consults, policyholders have access to free, unlimited 24/7 vet chat.
  • Time and travel expenses to a vet’s premises or hospital.
  • Treatment of illness or injury:
    • Arising out of racing; coursing; commercial guarding; organized fighting; or any other occupational, professional or business uses of your pet.
    • An intentional injury or condition as a result of abuse (including persistent neglect) of your pet, by you or a member of your household.
    • For which you were advised by a vet to take preventive measures and did not do so.
  • Treatment, death or humane destruction of your pet directly or indirectly caused by, happening through, arising or resulting from, or contributed to or by invasion, war, revolt, rebellion, revolution, military or usurped power, governmental seizure, quarantine, or other action related to public safety or health.
  • Treatment, death or humane destruction of your pet directly or indirectly caused by, happening through, arising or resulting from, or contributed to or by avian Influenza or any mutant variation, chemical, biological, biochemical or electromagnetic weapon, device, agent or material, whether controlled or uncontrolled, accidental or otherwise, nuclear reaction, radiation, radioactive contamination or the discharge of nuclear device, whether controlled or uncontrolled, accidental or otherwise.

Have Questions? We have answers.

While we have done our best to explain exactly what is covered and what is not covered, we understand that every pet is unique and insurance can be confusing. Many pet owners wonder how our plan applies to their pet. We encourage you to give us a call and tell us about your situation. We’re here to help.

Here’s how to contact us: