| PET INSURANCE COVERAGE ITEM | COVERAGE DETAILS |
| ACCIDENT & ILLNESS COVERAGE: | Included |
| WELLNESS CARE COVERAGE: | Not Included |
| DEDUCTIBLE OPTIONS: | $250 – $1,000 |
| REIMBURSEMENT OPTIONS: | 70%, 80%, 90% |
| HEREDITARY DISORDERS: | No restrictions |
| MINIMUM AGE FOR ENROLLMENT: | 6 weeks old |
| MAXIMUM AGE FOR ENROLLMENT: | No upper age limit* |
| WAITING PERIOD ACCIDENTS: | 5 days |
| WAITING PERIOD ILLNESSES: | 15 days |
| WAITING PERIOD ORTHOPEDIC: | 6 months for knees (can be waived)** |
| POLICY EXCLUSIONS: | Listed Below |
PetPlan Insurance Policy Exclusions
Petplan Pre-Existing Conditions: A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period.
i. Any injury that happened or any illness that first showed clinical sign(s) before the effective date of this policy; any illness that first showed clinical sign(s) during the waiting period beginning on the effective date of this policy; any injury that occurred during the waiting period beginning on the effective date of this policy.
ii.Any injury or illness that is the same as, or has the same diagnosis or clinical sign(s) as any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had during the waiting period beginning on the effective date of this policy; or any injury that is the same as, or has the same diagnosis or clinical sign(s) as any injury that occurred to your pet during the waiting period beginning on the effective date of this policy.
iii. Any injury or illness that is caused by, relates to or results from any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is caused by, relates to or results from any illness or clinical sign(s) your pet had during the waiting period beginning on the effective date of this policy; or any injury that is caused by, relates to or results from any injury that occurred to your pet during the waiting period beginning on the effective date of this policy. This exclusion applies no matter where the injury, illness or clinical sign(s) are noticed or occur on your pet’s body.
If your pet has received treatment for a cruciate or soft tissue injury to one knee during the first six (6) months of the policy (where no certification of knee health has been provided as described in Section V.h.) then the other knee is automatically excluded from coverage for a period of twelve (12) months from the date of last treatment to the affected knee. If your pet has received treatment for a cruciate or soft tissue injury to one knee prior to policy inception then the other knee is automatically excluded. If your pet has shown clinical signs of a cruciate or soft tissue injury to one knee prior to the effective date of this policy or during the first six (6) months of the policy (where no certification of knee health has been provided as described in Section V.h.), then the other knee is automatically excluded from coverage.
Intervertebral disc disease when another disc in the same or neighboring spinal region (e.g. cervical, lumbosacral) was previously treated or showing clinical sign(s) prior to the effective date of this policy or during the first fifteen (15) days beginning on the effective date of the policy.
Breeding, Pregnancy, Whelping treatment
Routine and preventive treatment
Experimental procedures and treatments
Organ transplants – not deemed medically necessary or not first approved by us
Definitions
- Clinical Signs – Changes in your pet’s normal healthy state, its bodily functions or behavior (as observed by any individual, recorded in your pet’s medical record, or identified in previously performed examinations or treatment(s) for your pet).
- Congenital Defects or Abnormalities – Any condition(s) or disorder(s) present at and existing from the birth of your pet.
Disclaimer: All rates and coverages may vary by policy, and location and are subject to change. Always read the terms of your specific policy before purchasing coverage.