Standard Exceptions In Pet Medical Insurance Policies
No commentsBy Nicholas Hunt
A dependable pet health insurance policy can be a genuine lifesaver if your pet requires vetinary treatment that you couldn’t otherwise afford. Whether it’s down to an injury or disease, the enormous vet bills could easily force you to have your pet euthanised if it wasn’t for the financial back up that insurance supplies.
All the same, as with all affairs fiscal, things aren’t always so clear cut. Pet insurance providers can vary considerably in what exactly they’ll pay out for, and so it makes sense to read the fine print before taking out a policy to ensure that all you need to be covered is so. It’s a good idea to look at what’s overtly omitted from cover as well as what’s covered, and some examples of commonplace exceptions are described below.
Everyday Care: The costs of pet grooming, dental hygiene, parasite control and regular exams are not usually covered by pet insurance.
Vaccinations: Although it is all but essential to vaccinate your pet against common illnesses, the cost will normally have to be paid by yourself and not the insurance firm.
Smaller Fees: Most insurance policies have an ‘excess’ figure under which claims can not be made. Smaller excess amounts usually mean larger insurance premiums.
Pre-existing Conditions: Costs resulting from conditions or illnesses which were already present when the insurance was bought will not normally be allowed.
Long Term Treatments: Some providers will only pay out for the first 12 months of a long term treatment such as that for arthritis.
These are only a few of the more popular exclusions present in pet insurance policies, and naturally each insurance policy will have its own small print to interpret. However uninteresting it might be, it’s critical to read this before signing the agreement if you want to be certain your policy won’t end up being superfluous when you need to call on it.
Nicholas writes on pet insurance and other related topics such as horse insurance.
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Friday, November 20th, 2009 at 8:05 am and is filed under animals articles. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
