Pet Insurance Exclusions ~ pet insurance policy

Pet insurance is a popular choice now for many pet owners. Knowing what is covered in your pet insurance policy is important but knowing what is usually excluded is just as important.

Getting the Right Pet Insurance Policy

Taking the time to understand your particular pet insurance policy is key in getting the right policy for your pet. Companies are different in what they cover and exclude so make sure you get as much information as you can so you can get the most coverage available for your particular pet.

Pet Insurance Policies are Different: Know the Exclusions in Your Pet Insurance Policy

Below is a list of common pet insurance exclusions. Exclusions in pet insurance vary from one company to the next, so again make sure you understand your particular policy.

Common Pet Insurance Exclusions:

1. Pre-Existing Conditions: This most of us understand because it is common to see this as an exclusion in health insurance for humans. In pet insurance, a pre-existing condition is usually something that your pet has before the policy start date. This includes conditions that may not have been diagnosed yet so just because you have not taken your pet to the vet and know they have a condition does not guarantee that you will get covered for the condition.

2. Hereditary Conditions: This really depends on your policy if it is an exclusion or not. And, if hereditary conditions are covered they are usually covered at a lower level.

3. Congenital Conditions: Congenital conditions are not covered because they are considered pre-existing. These are congenital problems that a pet is born with. Some examples include patellar luxation, entropion, ectropion, liver shunt.

4. Fleas, Ticks, and Other Parasites: Some pet insurance policies may provide benefits for preventative medications against parasites but for the most part, getting rid of the parasites would not be covered.

5. Preventable Diseases and Chosen Procedures: Anything that a pet could get a vaccination for to prevent is generally not covered. Also, any procedures you would choose yourself to have done, such as tail docking, is considered an elective procedure and is usually excluded.

6. Teeth Cleaning: Dental care is provided if it is needed due to an injury or accident but general dental preventative care, such as teeth cleaning, is usually not a coverage in pet insurance.

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5 Steps to Filing Your Auto Insurance Claim

5 Steps to Filing Your Auto Insurance Claim

1. Evaluate whether or not you should file an insurance claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.

2. Fill out your What to do After an Auto Accident Worksheet: This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

3. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

4. Prepare for a possible call from the other insurance company: If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

5. Finally, getting your car fixed: If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

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