Ongoing conditions are illnesses or injuries that occur in one plan period, and need
care in subsequent plan periods. Pet insurance providers typically limit the coverage
of ongoing conditions – using limits, exclusions, or cancelling coverage entirely – to
prevent the high premiums that result from runaway treatment costs.
We have 2 approaches to ongoing conditions. With our base coverage, they're not covered
unless 180 days have passed since cure and last treatment. However, you can add our
inexpensive
Continuing Care
option to Levels 2, 3, or 4 of our pet insurance to enjoy
uninterrupted coverage of these conditions.
Pet insurance providers use limits and deductibles to help keep premiums more affordable.
The "maximum incident benefit" is the most you'll be reimbursed for a specific condition. The
"maximum yearly benefit" is the most you'll be reimbursed in a single plan year. Our limits
vary by the level of coverage you choose.
We have a low $100 annual deductible. That means you only have to meet it once a plan year,
then you'll start getting reimbursed. Some pet insurance providers ask you to meet a deductible
every time your pet has an injury or illness.
Pre-existing conditions are illnesses or injuries that show symptoms, which may or may not have
been diagnosed or treated, prior to a plan's effective date. Like other pet insurance providers,
our pet insurance doesn't cover pre-existing conditions to keep premiums lower.
When you think the purpose of insurance, this makes sense. All insurance is meant to protect you
against something that happens in the future, not the past. Keep in mind, you can still sign up
for our pet insurance even if your pet has a pre-existing condition. However, the pre-existing
condition won't be covered.
For initial enrollment in our pet insurance, dogs must be at least 8 weeks old and younger than 13
years old. Cats must also be at least 8 weeks old and younger than 15 years old. We recommend that
you enroll your pets as soon as possible. This way, they’re less likely to have a pre-existing
condition that won’t be eligible for coverage.
One of the great things about our pet insurance is that ALL dogs and cats are eligible for
Level 1
regardless of breed, health, or weight conditions. However, pets with certain health problems may not
be eligible for illness or wellness care coverage. We’ll ask you about your pet’s health during
enrollment, and may need to check your veterinary records.
