Planning to buy an insurance policy for your furry friend but don’t know about the best pet insurance? Wondering, what are the exclusions of pet insurance for your dog?
From expensive vet vaccinations and regular grooming to oral hygiene and treatments, maintaining a pet can be a big-budget affair. Keep reading to decode what is not covered by pet insurance.
What Is the Objective of Pet Insurance?
A pet insurance cover acts like a protection for your paw-mate and keeps you financially assured in case of any unexpected situations of accidents, illnesses or death. The premium cost of the insurance plan may vary based on the age, breed, size and type of pet.
Pet insurance includes various types of coverage, exclusions, deductibles and premium limits. Hence, it is similar to health insurance for humans. A pet aged from 2 months to 10 years is eligible for pet insurance depending on the insurer.
What Does Pet Insurance Not Cover in India?
There are some expenses that you will have to pay out of your pocket so it's important to understand the areas which the pet insurance doesn’t cover. It does not cover some medical expenses and other things. So, let’s address the queries related to it:
Is Pregnancy Covered by Pet Insurance or Not?
Pregnancy, delivery and treatment of the pet’s offspring is not usually covered in this pet cover.
Does Pet Insurance Cover Spaying?
Technically, the answer is no. The cost of spaying or neutering an animal is only included in the pet insurance plans that offer wellness coverage. But it’s excluded in the accident cover, or accident and illness cover.
Is Prescription Food Covered by Pet Insurance?
The prescription food, vitamins and food supplements are not covered by the pet insurance as it’s only recommended by the veterinarian during a pre-existing condition.
What Are the Cons of Pet Insurance?
While pet insurance plans provide financial support in case of any unpredicted situations, there are some disadvantages of these policies. To determine and decipher, whether pet insurance is worth it or not, let's understand the common exclusions in pet insurance coverage:
Pre-existing conditions: Illness or injury having signs and symptoms before buying the policy. The exception is that all pre-existing conditions are not excluded permanently
Behavioural issues: That are not linked with an illness or diagnosed condition, e.g. banned breed dogs
Taxes and administrative fees of the veterinarian
Lost or stolen pets: Animals used as a part of the business
DNA testing
Non-veterinarian expenses like waste disposal, grooming, bathing, food and nutritional supplements
Cosmetic or elective procedures like ear cropping, and nail trimming
Conclusion
As a responsible pet parent, you must completely comprehend pet insurance's pros and cons. Read the finer print to know what is included and what is not in your pet insurance policy. Remember, knowledge is power.
