What do pet health insurance policies cover?
Coverage varies from carrier to carrier. For example, VPI Pet Insurance under their basic plan offer the following coverages: Accidents/Illnesses MRI, CAT Scans and X-Rays Surgeries Prescription Medicines Hospitalization However, if you buy their superior plan, you’ll get coverage for heart worm protection, annual exams, prescription flea control and spaying / neutering. For an additional premium, you can purchase a cancer rider to provide coverage for your pet in the unfortunate event that it is diagnosed with cancer. Exclusions: As with most, if not all pet healt insurance companies do not cover congenital or hereditary defects, elective procedures, diseases prevented by vaccines. Be sure to review your policy for full exclusion disclosure. How it works Take your pet to a licensed vet or specialist and pay for the visit up front (this is an indemnification policy, not an HMO). Once you’ve paid for the visit, your vet staff will fill out the claim form. After receiving the completed c
