As pet parents, you would never want to compromise on the health and wellbeing of your furry buddies. However, veterinarians and medical expenses are exorbitant and can cost you hundreds and thousands of dollars. Investing in a pet insurance plan can help you take care of your dog’s health, saving tons of money. Let’s have a look at the inclusions and exclusions of a pet insurance plan.

Pet insurance coverage

• Hereditary problems
  Several insurance plans cover health problems that your pet inherited.

Hereditary problems often do not show symptoms when your pup is young. However, when they do, your insurance plan will have you covered.

Prescriptions
After diagnosis, your vet may write down a bunch of medicines or supplements that your pet requires to consume to regain his/her health. Your insurance plan tends to cover most of these expenses too. Although the coverage is limited, it does help you out with vaccinations or flea treatments.

Major and minor illnesses
It’s true that insurance covers most major problems like accidents, but they are not limited to it. They also cover illnesses ranging from a minor ear infection to serious health issues like cancer or transplants. If your dog experiences a series of mild infections repeatedly, it can still be covered under the insurance plan.

Treatments and therapies
Your insurance plan covers alternative therapies, stem-cell therapy, physiotherapy, or acupuncture. It may also cover the expenses of installing a microchip in your pet to help you find them at all times.

Pet insurance exclusions

• Pre-existing issues
  It is crucial to enroll your pet for insurance when they’re little to avoid any restrictions due to conditions they may develop when they grow up. Several insurance plans do not directly cover pre-existing conditions in your pet. These conditions would include problems that they developed before purchasing the insurance plan.
• Grooming
  Insurance plans do not cover grooming costs which includes activities such as baths, trimming, dental care, among others. You could opt for an additional package if you desire to have them covered.
• Breeding
  Most insurance plans do not cover costs associated with pregnancy or breeding. There are separate plans for the same that you could opt for.