- Alternative Therapy
- Behavioral Problem
- Behavioral Therapy
- Conformational Defect
- Covered Expenses
- End of Life Expenses
- Hereditary, Genetic, or Congenital Condition
- Incident Limit
- Occur or Occurrence
- Policy Period
- Pre-Existing Condition
- Usual and Customary Costs
- Wellness Care
Treatment or medication that does not generally fall within the realm of conventional veterinary medicine including but not limited to the following types of therapy: acupuncture, chiropractic, holistic, homeopathic, hydrotherapy, physiotherapy or rehabilitative.
A condition, either social or medical, that results from your pet’s action, inaction, or temperament that is abnormal, dysfunctional, or unusual, such as but not limited to aggression, excessive chewing or licking, or separation anxiety. Learn more about other common behavior problems here.
Illness, disease, injury or change to your pet’s health that may or may not show symptoms or have been diagnosed (including but not limited to diagnosed or un-diagnosed pre-existing, hereditary or congenital conditions). Visit our health conditions library!
Hereditary, Genetic, or Congenital Condition
Illness, defect, disorder or disease that is present from birth, inherited by your pet or to which your pet is predisposed through hereditary or genetic factors. A list of these conditions is available upon request.
Occur or Occurrence
When signs or symptoms related to a condition first become obvious, including when your dog or cat first shows signs or symptoms related to a condition that a veterinarian could have diagnosed or treated.
Illness, disease, injury or change to Your Pet’s health which first occurs or shows symptoms:
a) before coverage is effective
b) during a waiting period
c) before the current policy period.
This includes conditions that are related to, secondary or, resultant from a pre-existing condition.
Any change in Your pet’s state of health, normal function, behavior or appearance. Visit our Symptoms Checker for more information.
Care that Your veterinarian administers. This includes but is not limited to anesthesia, consultations, examinations, hospitalization, laboratory tests, nursing, MRI or CT scans, surgery and X-rays.
Treatment or diagnostics that are customarily considered preventive in nature where there is no underlying Illness or Injury, may include but is not limited to wellness examinations, coronavirus vaccines, canine distemper (also referred to as “DHLPP” for distemper, hepatitis, leptospirosis, parvo, and parainfluenza) or feline distemper (also referred to as “FVRCP” for feline viral rhinotracheitis, calicivirus, and panleukopenia) combination vaccines or titers, fecal tests, heartworm tests, rabies vaccines, spaying or neutering, bordetella vaccines, dental cleaning, feline infectious peritonitis vaccines, feline leukemia tests and vaccines, canine lyme disease vaccines, flea and heartworm preventive medications, and microchipping.
*Pet owners in New York get a pro-rated refund.
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