• Dental treatment – Dental treatment is covered by very few pet insurance policies, unless it’s as a result of an accident
  • Cremation and burial – Although most lifetime policies include necessary euthanasia, cremation and burial tends not to be covered
  • Pre-existing conditions – Although anything you’ve claimed for before should continue to be covered, illnesses and injuries related to a condition that happened before you took the policy out won’t be
  • Excess and co-payment – You’ll have to pay a sum towards the claim yourself, called an excess. Some policies also have a co-payment – it’s another excess, where you also pay a percentage of the full cost