What Are Common Exclusions to Pet Health Insurance?

Pet health insurance is just like any other kind of insurance in that it has to have common exclusions to your coverage. These exclusions are not to make life harder on you, but they are exclusions that an insurance company must make in order to stay in business. If the insurance company did not have exclusions they would do nothing but pay claims and lose money in the long run. Exclusions are generally the same across insurance companies, including pet health insurance, here are a few common ones to look for:

• Pre-existing conditions are not covered under pet health insurance plans, just as they are not under our own, human, health insurance plans. Some pre-existing conditions include diabetes, Addison's disease, Immune Mediated Anemia, and Feline Leukemia, etc. These conditions are very expensive and a policy would be counterproductive to your finances and the insurance company's.
• Hereditary conditions are generally not covered by pet health insurance companies unless the pet is enrolled before their second birthday. In this case the condition would not have been evident and the coverage would be included. This is another reason that it is important to start getting your pets covered as soon as possible.
• Parasites are generally not covered by insurance companies, generally for the same reason that floods aren't covered by homeowners insurance companies. These conditions happen so often to such a wide volume of pets that the costs of insuring them would be astronomical.
• Most procedures that are deemed to be "inhumane" and "avoidable" are not covered by pet health insurance policies. For instance, declawing your cat would not be covered by your pet health insurance policy. This is definitely something that could help maintain the beauty of your home but it does not help your pet and can be very detrimental to their development.
• Breeding related expenses are not generally covered by pet insurance policies as they are not necessary and are usually business related. If you are a breeder you need to look into protection for your business that would possibly cover your pets as well.

There are obviously many more exclusions that are out there for pet health insurance companies, these are just the most common. If you are wandering if something is or is not generally covered you should just visit the website of your pet insurance company or consult your insurance policy. When an item is unclear if it is covered or not or it is just not mentioned at all the policy will generally have to cover it as it is a policy of cohesion that will rule in your favor.