What does pet insurance not cover?
It’s important to keep in mind that pet insurance doesn’t automatically cover everything. If your pet gets sick within 21 days of signing up, this may be classified as a pre-existing condition that you won’t be covered for. There’s also a 6-month waiting period before you can claim on cruciate ligament conditions, but you can apply to have this waived.
As a general rule, pet insurance is designed to cover unexpected medical costs that you aren’t able to plan for. This means that ongoing expenses like food or vitamins are not covered. Experimental treatments or major cosmetic/lifestyle changes are also excluded.
Common events that you can’t claim on include:
- Breeding or pregnancy complications
- Vaccinations, microchipping, or desexing
- Genetic chromosome testing
- Elective procedures that are not deemed essential by your vet
- Training or behavioural problems
- Dental illnesses
- Organ transplant or prosthetics
- Medications not approved by the Ministry of Primary Industries or the Veterinary Council of New Zealand
- Gross negligence.