What does pet insurance typically cover?
Written by
David Smith
Reviewed by
Prof. David Walsh, Ph.D.Knowing what your pet insurance covers can help you better protect your pet. The standard pet insurance policy can cover accidents such as a broken leg, illnesses such as cancer treatments, and some basic diagnostic services. These coverages turn emergency vet expenses into just maintenance fees. Knowing what is covered will help avoid financial surprises in an emergency.
Accident Protection
- Immediate care for injuries like fractures or poisonings
- Typically covered within 0-3 days of policy activation
- Includes emergency surgeries costing €2,200+
Illness Coverage
- Treatments for infections, cancers, and chronic conditions
- Covers diagnostic tests like MRIs and blood work
- Includes prescription medications for covered conditions
There is essential coverage for hereditary conditions for breeds like German Shepherds. These policies cover hip dysplasia treatment expenses that exceed €3,500. An international cover is provided when travelling with appropriate documentation. Always check covering periods because it is often subject to a 12-month waiting period before claims are possible for orthopedic or joint problems.
Comprehensive plans do not cover preexisting conditions or routine care like teeth cleaning. Wellness add-ons are available at extra cost to avoid surprise bills for vaccinations. Ask about policy details to be sure of maximum protection. Choose plans that most closely address the risks and needs of your pet's health and lifestyle.
Read the full article: Understanding Pet Insurance Coverage Essentials
