Read About Pet Insurance Plan Exclusions & Limitations

Lastly the pet insurance policy will list all things that are excluded from coverage. Almost all pet insurance providers in the US exclude pre-existing conditions (conditions that occurred or showed symptoms for before the policy went into effect). Exclusions include those non-insurance related costs such as costs for grooming, feeding, and elective procedures. Additional exclusions vary policy to policy. Hereditary and congenital disorders are excluded from many pet insurance policies. These are important to take note of because they are amongst the most common of pet insurance claims made and can also be the most costly. Similarly, some pet insurance companies will exclude conditions by specific breed.

Below is a snippet from VPI's policy:

"WHAT WE DO NOT COVER: EXCLUSIONS...
K. Diagnosis or treatment of any hereditary disorder or any condition resulting from the hereditary disorder. You may obtain a list of conditions we regard as breed-specific hereditary disorders through our Web site, www.petinsurance.com or call us at 800-USA-PETS."

Below is a screen shot of VPI's website: