Human have gone behind. Now it’s
time for your pets to get insuraed. The pets have got more worth their value
than their owner. That is why owners are keen to insure their pets. This is a
new trend now days. There are like more than 50 types of conditions of pets
which are covered under the pet insurance. These are:
·
ear infection
·
dry eyes
·
skin allergies
·
inflamed pancreas
·
skin infection
·
allergic reaction
·
upset stomach
·
corneal ulcer
·
intestinal upset
·
Cushing's disease
·
arthritis
·
skin cancer
·
bladder infection
·
muscle sprain
·
bruise or contusion
·
inflammatory bowel disease
·
skin growth
·
torn nail
·
underactive thyroid levels
·
fungal skin disease
·
eye infection
·
heart valve dysfunction
·
bloody vomiting and diarrhea
·
degenerative disc disease
·
oral growth
|
·
abrasion
·
seizure disorders
·
chronic kidney disease
·
open skin infection
·
heart failure
·
tooth removal
·
Addison's disease
·
liver disease
·
oral trauma
·
cut or bite wound
·
foreign body in stomach
·
lymph node cancer
·
Lyme disease
·
diabetes
·
tumor in the spleen
·
skin cyst
·
bronchitis
·
skin tumor
·
bladder stones
·
urinary incontinence
·
inflamed trachea
·
torn knee ligaments
·
lung infection
·
kennel cough
·
insect bite or sting
|
What's not covered?
Unfortunately, there are some things which are not covered
by most of the pet insurers. These include elective procedures, congenital
conditions, pet foods, grooming, behavioral problems and pre-existing
conditions.
Some of the
Definitions you must know:
A. Chronic condition means a condition that can be treated
or managed but not cured.
B. Condition means an illness or injury that your pet
contracts or incurs.
C. Congenital disorder means an abnormality of a body
structure or function that is present at birth, whether apparent or not, that
can cause illness or disease.
D. Covered veterinary services expenses means expenses for
reasonable and necessary veterinary services that are eligible for payment
under the VPI ® Major Medical Plan Benefit Schedule.
E. Cured means eliminated and having no effect on the pet
so that the pet is fully restored to normal health without any treatment or
management.
F. Developmental defect means an abnormality of a body
structure or function that is a result of faulty development, whether apparent
or not, that can cause illness or disease.
G. Hereditary disorder, defect, or disease means an
abnormality transmitted by gene(s) from parent to offspring, whether apparent
or not, that can cause a condition.
H. Illness means any condition caused by or associated with
sickness or disease. All clinical signs or symptoms of an illness constitute
one illness, regardless of the number of affected areas of your pet’s body.
I. Incident means an occurrence that causes your pet’s
condition.
J. Injury means physical damage to part of a pet’s body
caused by an unforeseen physical action or force outside the pet’s body.
K. Medication means a substance approved by the U.S. Food
and Drug Administration (FDA) that is used to treat a condition.
L. Pet means the animal identified on the Declarations Page
or Renewal Certificate of your policy.
M. Pre-existing condition means any condition that began or
was contracted, manifested, or incurred before the effective date of your
policy, whether or not the condition was discovered, diagnosed, or treated. A
condition is not pre-existing if it was cured before the effective date of your
policy and there has not been a recurrence or manifestation of the condition
for at least six (6) months, unless it is a chronic condition. A chronic
condition contracted, manifested, or incurred before the effective date of your
policy is a pre-existing condition, whether ornot the condition was discovered,
diagnosed, or treated.
N. Prescribed means: (1) directly provided by or (2)
authorized by written instruction of a veterinarian.
O. Procedure means a veterinary medical or surgical
treatment method or course of action.
P. Spouse means your husband, wife, or domestic partner
under the law of your state of residence, who lives with
