Some insurers won’t cover your vet exam fees, even if it’s related to an accident or illness. And most insurers won’t cover your pet’s annual wellness exam unless you purchase a wellness plan.Costs such as taxes or administrative fees charged by your vet are typically not covered.Your pet’s regular food and supplements, such as vitamins, are not covered by pet insurance, but some plans cover prescription pet food.
will cover curable conditions if your pet is free of symptoms and treatment for 180 days. Conditions that recur after 180 days are treated as a new problem and are covered.Pet insurance won’t cover procedures such as declawing, ear cropping and tail docking.A standard pet insurance plan typically does not cover vaccines and booster shots. But you can often add a wellness plan to your pet insurance policy if you want coverage for vaccines.
Check to see if your policy has any geographic restrictions or if your coverage is extended to other regions. For example, we analyzed a Trupanion pet insurance policy that covers licensed veterinarians in the U.S., Australia, Canada, Puerto Rico and any other region under Australian, Canadian or U.S. government control .Pet insurance plans can be hard to compare in an apples-to-apples way. Coverage, exclusions and pricing variations make it hard to calculate the potential value of each plan.
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