Pet insurance is for the unexpected, not routine treatment, so there are a few things that are usually excluded:
- Vaccinations and routine vet check ups, or preventative treatment
You’ll have to pay for vaccinations and check ups for preventative medicine like flea and worm treatments yourself.
- Neutering and pregnancy
Pet insurance won’t cover the cost of having your pet castrated or spayed. You’ll also have to pay costs for treatments needed because of your cat or dog becoming pregnant, or giving birth.
- Pre-existing conditions
Pet insurance usually doesn’t cover any health issues your pet was showing signs of before you took out the policy.
If they first become ill while you have lifetime pet insurance, they’ll continue to be covered for that treatment as long as you keep renewing the policy.
- Dental treatment
Looking after your pet’s teeth with a scale and polish or extractions is rarely covered by pet insurance. Although most policies will cover emergency dental work for injuries caused by an accident.
- Cremation and burial costs
Although euthanasia is covered by pet insurance in some circumstances, you’ll usually have to pay for burial or cremation costs yourself.