Pre-existing conditions are not covered. A pre-existing condition is a medical condition which first occurred or showed clinical sign(s) before the effective date of the policy or which occurred or showed clinical sign(s) during the policy waiting period.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.
Coverage includes annual limits, per-incident or annual deductibles, and co-pay amounts as specified on your declarations page.
There is a fifteen (15) day waiting period for accidents and illnesses beginning on the effective date of your policy during which coverage will not be provided.
Coverage is not reduced and premiums are not increased based on your pet’s individual claim history.
Claims are reimbursed for any medically necessary treatment your pet has received during the policy period for a covered illness or injury, up to the maximum annual limit and subject to the co-pay and deductible amounts as specified on your declarations page.