Sample Pet Insurance Policies
COVERAGE FOR THE REAL WORLD
Pets have accidents and are diagnosed with illnesses just like their people. With the accident and illness plans from Prudent Pet, we help you do “whatever it takes” because family comes first.
Your policy reimburses actual costs for covered expenses related to the diagnosis and treatment of injuries resulting from an accident, up to the annual limit noted on your declarations page. Eligible accident expenses are:
* Alternative therapy
* End of life expenses
* Intravenous (IV) fluids and medications
* Medical supplies
* MRI or CT scans and x-rays
* Poison control consultation fees
* Prescription food to treat a covered condition; not for general health maintenance, or prevention, even if prescribed or dispensed by a veterinarian
* Prescription medications prescribed by a veterinarian and approved by the Food and Drug Administration (FDA)
* Stem cell therapy
* Supplements to treat a covered condition; not for general health maintenance, or prevention even if prescribed or dispensed by a veterinarian
* Tooth extractions
* Veterinary treatment, including examinations, consultations and laboratory tests
Your policy also reimburses actual costs for covered expenses related to the diagnosis and treatment of illnesses, up to the applicable limits, exclusions and limitations. Eligible illness expenses are:
* Expenses listed under accident benefits when applicable to illness
* Cancer treatments (including but not limited to chemotherapy and radiation treatment)
* Treatment for behavioral problems if performed by a veterinarian or through a written referral by a veterinarian to a Certified Applied Animal Behaviorist
Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring or renewal.
WHAT IS NOT COVERED
We will not pay for costs associated with or resulting from the following:
a. Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
b. Anal sac (gland) expression and/or resection when no infection or disease is present.
d. Breeding, pregnancy, whelping or nursing.
e. Conditions that occur during a waiting period.
f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).
g.Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.
h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.
i. Funeral services, memorial items, urns, caskets, or burial plots/fees.
j. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
l. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.
m. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
n. Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.
o. Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.
p. Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).
q. Organ or heart valve transplants.
r. Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.
s. Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or limited ingredients.
t. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
u. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
v. Training or training devices.
w. Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.
x. Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.
y. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.
Read a Sample Policy
Reimbursement of covered expenses is subject to the annual limit, deductible and reimbursement percentage listed on your policy declarations page.