What services does pet health insurance cover?
Basic plans offer reimbursement for accident or illness expenses only. But there are plans that cover such routine needs as vaccinations. Coverage on some plans may include dental care, flea prevention, prescription medicines, and common medical screening tests, such as blood work, fecal examination, and urinalysis . With all plans, there can be caps or limitations on coverage. For instance, a company may pay only up to a certain amount per incident of illness or per accident. Sometimes, pre-existing conditions are excluded. “Some of the higher-quality programs will waive pre-existing,” Sullivan says. Or a plan may not exclude a common pre-existing condition that requires fairly inexpensive treatments, she adds. Sullivan suggests that before you get a plan, you should ask about pre-existing condition coverage.