Standard pet insurance policies explicitly exclude several categories of medical expenses and care. Common exclusions include pre-existing conditions that showed symptoms or received treatment before the policy's effective date or waiting periods. Routine wellness care (such as annual checkups, vaccinations, flea treatments, and spaying or neutering) is generally excluded unless you purchase a separate wellness add-on. Furthermore, cosmetic procedures, breeding costs, and certain hereditary conditions not covered under specific policy tiers are left uninsured.
1 votes
Marked as accepted