We cover treatment as advanced as chemotherapy and stem-cell therapy, and alternative treatment like acupuncture and hydrotherapy. Simply put, Complete CoverageSM takes care of the same costs that you’d expect your own health coverage to take care of if you were hurt or sick.
Some common incidents that Complete CoverageSM can help you with are listed below for your reference.
Like all pet insurance providers, we have some exclusions
No pet insurance provider covers pre-existing conditions, though each may define them differently. We define a pre-existing condition as a health problem that first occurs or shows symptoms before coverage is effective or during a waiting period. However, we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won't be covered.
This would be things like tail docking, ear cropping, and claw removal.
Costs associated with breeding and pregnancy are not covered.
For a full list of exclusions, see a sample policy.
When you enroll, you’ll have the option to add Preventive Care to your coverage for a little more per month. If you add it, you get a fixed amount of money back for a list of services that help protect your pet from illnesses, like dental cleaning, vaccines, and wellness exams.
Claim payout math is pretty straightforward. Payouts are based on your vet bill, so once your annual deductible is out of the way, you’ll get 90, 80, or 70% of the covered bill back, depending on which reimbursement percentage you select when you enroll.
Your coverage will have one annual limit, so it resets every year, and you get to pick it. We offer choices from $5,000 up to unlimited, because a higher annual limit can really make a difference when your pet has a costly condition.