March 24, 2023


pets keep it coming

What things aren’t included in pet insurance plans?

4 min read
How To Make A Pet Insurance Claim – Forbes Advisor

Are you looking for pet insurance but aren’t sure what exactly is included in the plan? We’re going to take a look at some of the things that are typically not included in pet insurance plans – from veterinary care to lost/found costs. So whether you are looking for dog insurance or cat insurance, make sure to read on to find out what’s covered and what isn’t.

The Basic Types of Pet Insurance

There are a few types of pet insurance that vary in terms of what they cover. The most common types are pet health insurance and pet loss insurance. Dog insurance and cat insurance for health cover a variety of treatments and procedures, while pet loss insurance covers the cost of replacing your pet if it dies.

Some other types of coverage that may be offered include accidental death coverage, which pays for the cost of treating your pet if it is injured in an accident; and specific breeds or types of pets coverage, which can cover expenses related to accidents or illnesses specific to those breeds or types of pets.

How Pet Insurance Works

Pet insurance is a type of coverage that can help protect your pet if something happens to them while they’re with you. There are a few things that aren’t typically included in pet insurance plans, so let’s take a look at each one.

Some pet insurances don’t typically cover vet bills. This might be due to the fact that many vets will also offer free or discounted services to policyholders, or because veterinary care is considered an “occurrence” and isn’t covered under most policies. If you need to cover vet care costs yourself, be sure to talk to your insurer about their coverage options.

Pet insurance doesn’t usually cover damages caused by other animals. This includes both intentional and accidental damage (e.g., a dog biting someone). If your pet gets into a fight with another animal and ends up biting someone, you’ll likely be responsible for paying for the damage yourself (unless your policy covers dangerous animals).

Things Not Covered by Pet Insurance Plans

There are a few things that aren’t typically covered by pet insurance plans. While some policies may cover basic health care needs like vaccinations and deworming, other areas may not be included, such as accidents or illness. Some companies will also exclude specific breeds of dogs or cats from coverage, so it’s important to read the fine print of any policy you’re interested in purchasing.

Some pet insurance policies also only cover animal ownership, not pet care. If your furry friend needs routine vet care or surgery, you’ll need to cover those costs yourself. In addition, some policies don’t cover lost or stolen pets, so it’s important to keep an eye on your belongings if you leave your dog or cat home alone.

Finally, pet insurance policies don’t typically cover injuries or deaths that occur while your pet is home with you. If your dog or cat escapes and gets hit by a car, for example, you’ll have to cover the cost of the surgery to repair their injuries yourself.

Certain breeds of dogs are also more prone to certain health issues, so it’s important to be aware of that when considering a dog insurance policy. For instance, German Shepherds are often prone to hip dysplasia, while Boxers are often prone to heart disease. It’s important to shop around and compare dog insurance policies to get the best coverage for your dog.

Some policies will only cover animals up to a certain weight or size. If you have a large dog or cat, make sure to read the policy carefully to see if it covers them.

Finally, some pet insurance policies only cover animals while they’re physically with their owner. If you have to leave your animal behind while you travel, for example, the policy may not cover any costs associated with care or sheltering your pet.


Pets are a big part of many people’s lives, and it can be tough when something happens and they don’t have the funds available to cover the costs. In this article, we will take a look at some things that are typically excluded from pet insurance policies. This isn’t an exhaustive list by any means, but it should give you a good starting point if you are considering getting pet insurance. Remember that not all policies offer everything on this list, so it is important to read the fine print before making a purchase.

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