Common Exclusions From Pet Health Insurance Policies

By Author: Nicholas Hunt
Total Articles: 432
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A good pet insurance policy can be a literal life-saver if your pet has to have vetinary care that you couldn't otherwise manage to pay for. Whether it's down to an injury or condition, the giant vet charges could easily force you into having your pet put to sleep if it wasn't for the financial support that insurance supplies.

Nevertheless, as with all issues financial, things aren't always so simple. Pet medical insurance products can vary considerably in what exactly they'll pay out for, and so it makes sense to read the fine print before purchasing a policy to ensure that all you need to be covered is allowed. It's a good idea to pay attention to what's overtly barred from cover as well as what's covered, and some examples of common exclusions are discussed below.

Routine Care: The prices of grooming, teeth hygiene, pest control and standard exams are not normally covered by pet insurance.

Vaccinations: Although it is all but essential to immunize your pet against the most common illnesses, the cost will commonly have to be paid by yourself and not the insurer.

Small Expenses: Most insurance policies ...
... have an 'excess' sum under which claims will not be approved. Lower excess amounts usually mean more expensive insurance premiums.

Existing Conditions: Costs resulting from conditions or illnesses which were already present when the insurance was applied for will not usually be paid.

Long Term Treatments: Some products will only pay out for the first year of a long term intervention such as that for a heart condition.

These are only a few of the more frequent exceptions present in pet insurance policies, and naturally each insurance policy will have its own small print to pore over. However uninteresting it might well be, it's essential to read this before signing the agreement if you want to be secure your policy won't end up being wasted when you want to claim on it.

About the author: Nicholas writes for http://www.petinsuranceinfo.co.uk/ where you can read more information on choosing a good pet insurance policy.