Common exclusions
Exclusions differ by insurer and state, but these show up frequently.
- Pre-existing conditions, including anything that showed signs before coverage or during a waiting period.
- Cosmetic or elective procedures, such as ear cropping or tail docking.
- Routine and preventive care, unless a wellness add-on is purchased.
- Breeding, pregnancy and related costs.
- Conditions arising during a waiting period.
Where to find them
Look for sections named Exclusions, Limitations, or What Is Not Covered in the sample policy. Also search for the words hereditary, congenital, bilateral, and curable, since each can change how a claim is treated.
Why the details matter
A plan that looks affordable can be less useful if a condition you care about is excluded. Reading exclusions before you compare prices helps you compare like with like.
Sources and further reading
This guide explains general industry practice. For the terms that apply to you, rely on the policy documents from each insurer you consider and on the consumer resources published by your state insurance department.