medical treatments pet insurance won't cover

With only 3% of pet owners carrying pet insurance[1], it’s important for consumers to know their options, as they may be in for many unpleasant surprises throughout the lifespans of their dogs. If you are a first-time dog owner, you probably aren’t aware of the rising costs of pet medical care. Owners who have one or more dogs or possibly other pets may be more experienced in the area of veterinary care and the high costs of caring for a dog. Rest assured, it’s not the greediness of the veterinarians that has raised their fees–it’s the newer equipment they are using, along with other factors.


For instance, CT scans and MRIs are now used for pets, when in the past were reserved for people. Veterinarians have to offset the high costs of these machines.

So, as prices continue to rise concerning your pet’s health care,  prepare to pay more! In the event of a serious illness or injury that requires extensive treatments, care, surgery, and hospitalization prepare for a hefty bill. Without insurance for dogs you’re on your own. Potentially, you may be left paying hundreds or thousands of dollars you hadn’t planned on spending.

Pet insurance can be straightforward and as extensive as you’d want it to be. The greater the coverage, the higher the premiums, obviously. Plans typically cover medication, X-rays, MRIs, lab test, diagnostic tests, surgery, post-surgery care, hospitalization, and treatment for a variety of emergencies, like an illness or an injury. Some plans also provide coverage for cancer, including chemotherapy.

More extensive coverage could cover recurring conditions, chronic illnesses, alternative therapies, and even genetic, breed-specific conditions. Additionally, you may benefit from a plan that includes behavioral therapies, too.

Some plans also cover the partial costs of vaccines, spaying, and neutering and may also provide reimbursement for vet visits.

Medical Treatments Not Covered by Pet Insurance

However, the majority of pet insurance companies don’t cover pre-existing conditions. Simply put, if your dog were already diagnosed with a disease, you’d have to continue to pay for those treatments out of pocket. Insurers would still provide coverage for your pet, but NOT for the already-existing disease.

Medical Treatments Not Covered by Pet Insurance

The insurance companies will also rarely pay for any elective procedures, cosmetic or preventative included. So if you buy pet insurance and want to crop your dog’s ears, for example, don’t expect any reimbursement. By the same token, nor would experimental treatments. You would also be on your own, financially speaking, regarding orthodontics procedures, and any fees regarding breeding or pregnancy.

Whether you choose to purchase pet insurance or not, just be aware of the consequences one way or the other. Armed with the vital knowledge, you may decide wisely. This information serves to educate and prepare you for rainy days. Pet insurance plans certainly are not perfect, but they help. And, when you know the medical treatments not covered by pet insurance, you’ll be more the wiser.



[1] Dogtime