Pet owners want the best for our furry friends, especially regarding their health. Pet insurance can be a great way to manage unexpected vet bills, but understanding what is typically included and excluded from coverage is crucial. At Oliver Insurance in Canby, OR, we help pet owners make informed decisions about their pet insurance policies.
What’s Typically Covered?
Pet insurance often covers a wide range of medical expenses that arise from accidents and illnesses. This usually includes things like diagnostic tests, surgeries, hospitalizations, and prescription medications. Most policies also cover chronic conditions such as diabetes or arthritis, as long as they are not pre-existing conditions. Additionally, emergency care and specialist visits are generally part of the coverage.
Routine Care and Wellness Visits
Some pet insurance policies offer optional wellness plans that cover routine care. This can include vaccinations, annual exams, flea and tick prevention, and dental cleanings. It’s important to note that these wellness plans are often add-ons and not included in the standard accident and illness coverage.
Common Exclusions
While pet insurance can provide extensive coverage, there are certain exclusions to be aware of. Pre-existing conditions, such as health issues that your pet had before the start of the policy, are typically not covered. Also, elective procedures are usually excluded. Behavioral treatments and training costs might also fall outside the scope of standard policies.
Understanding the specifics of what is included and excluded in your pet insurance policy can help you avoid surprises. At Oliver Insurance, we’re here to assist pet owners in Canby, OR, select the right pet coverage. Contact us today to discuss your options and ensure your furry friend gets the best possible care.
