We offer Pet Insurance
WAITING PERIODS
There is a 14 day waiting period for: diagnosis, treatment or surgery related to illnesses and ligament and knee conditions. The
waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period will not be eligible for coverage unless your pet's condition has been cured and free from treatment and symptoms for a period of 180 days.
Illness Benefits
Your policy also reimburses actual costs for covered expenses related to the diagnosis and treatment of illnesses, up to the
applicable limits, exclusions and limitations. Eligible illness expenses are:
a. Expenses listed above under accident benefits when applicable to illness.
b. Cancer treatments (including but not limited to chemotherapy and radiation treatment).
c. Treatment for behavioral problems if performed by a veterinarian or through a written referral by a veterinarian to a Certified Applied Animal Behaviorist.
ACCIDENT PET-P-20000-0316 & ILLNESS POLICY
Microchip Implantation
Microchip - Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring or
renewal.
ACCIDENT PET-P-20000-0316 & ILLNESS POLICY
WHAT IS NOT COVERED
Exclusions
We will not pay for costs associated with or resulting from the following:
a. Aesthetic, cosmetic, endodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
b. Anal sac (gland) expression and/or resection when no infection is present
c. Boarding
d. Breeding, pregnancy, whelping or nursing
e. Conditions that occur during a waiting period
f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)
g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement
h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the
veterinary medical community as effective or proven
i. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
j. Herbs
k. House call fees, time and travel expenses to and from the veterinarian's premises or hospital.
l. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
m. Non-medical supplies such as but not limited to toys, training devices, and leashes.
n. Non-Veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
o. Pre-existing Conditions that occurred on or before the effective date of the policy or during a waiting period.
p. Prescription food, pet food, diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
q. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
r. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if
prescribed or dispensed by a veterinarian.
s. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.
DEDUCTIBLE AND REIMBURSEMENT PERCENTAGE
Deductible Amount
Your annual deductible amount is listed on the declaration page and applies during each policy period. We subtract that deductible from covered expenses before applying the reimbursement percentage.
Reimbursement Percentage
After the deductible is met, we will reimburse a percentage of covered expenses identified on the declarations page as reimbursement percentage, subject to any applicable maximum. You are responsible for the remainder of covered expenses in addition to any amounts not covered by the policy.
If would like more information please contact us,
Suzanne Brown Insurance Agency
A Texas Independent Insurance Agency with over 100 insurance carriers
www.SuzanneBrownAgency.com
281-558-2210