What may be included
Depending on the policy, eligible care can include diagnostics, hospitalization, surgery, medication and specialist treatment for covered accidents or illnesses. Exam fees, rehabilitation and other services may be included, excluded or offered as options.
What to read carefully
- Pre-existing condition exclusions
- Waiting periods
- Hereditary and congenital condition terms
- Orthopedic limitations
- Annual or per-condition limits
- Preventive and elective-care exclusions
How claims generally work
You usually pay the veterinary clinic, submit the requested records and invoice, and wait for the insurer to determine eligibility under the policy. Reimbursement is not guaranteed simply because a claim is submitted.
Important: This content is educational and is not veterinary or insurance advice. Contact a veterinarian about your dog’s health and read the applicable policy before purchasing coverage.