Pet insurance can be a lifesaver when unexpected vet bills pop up, but it’s just as important to know what’s not covered. Every policy has exclusions (areas where cover doesn’t apply), and these can vary between providers. Knowing what to expect upfront can save you from any surprises when it’s time to claim.

 

Does Pet Insurance Cover Pre-Existing Conditions? 

One of the most common things pet insurance won’t cover is pre-existing conditions. These are illnesses or injuries your pet had before your cover started or during the waiting period. Most insurers won’t cover ongoing or chronic health issues diagnosed before you signed up.

RELATED: COVER FOR HEREDITARY CONDITIONS

 

Does Pet Insurance Cover Routine Care?

Routine checkups, dental cleanings, and vaccinations aren’t usually covered under standard pet insurance plans. But here’s the good news: dotsure.co.za offers Wellness Benefit extensions to help cover these costs!

Typical routine or preventative care expenses:

  • Annual Vaccinations
  • Dental checks
  • Tick and flea treatments
  • Spaying and neutering
  • Emergency boarding fees
  • Prescribed foods and supplements
  • Behavioural therapy

If you want to avoid out-of-pocket costs for these, consider adding Wellness Benefits to your policy. It could save you money in the long run.

 

Are There Age Limits on Pet Insurance?

Pet insurance often has age limits. Typically, puppies and kittens under eight weeks old may not be eligible for cover. Senior pets (often 12 years and older) might have limited cover options because they’re more prone to age-related health issues.

 

Does Pet Insurance Cover Diseases If My Pet Wasn’t Vaccinated?

If an illness could have been prevented with a vaccine, most pet insurance policies won’t cover it. This includes diseases such as Parvovirus and Feline Immunodeficiency Virus (FIV). Keeping your pet’s vaccinations up to date is essential, not just for their health, but also to ensure you’re covered when it matters most.

RELATED: UNDERSTANDING CANINE PARVOVIRUS

 

Protect Your Pet and Your Pocket

Knowing what your pet insurance covers, and what it doesn’t, is crucial to avoid unexpected costs. Understanding your policy helps you make the best decisions for your pet’s health and keeps your budget in check!

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