There are miscellaneous exclusions that aren't as important in the big scheme of things as hereditary or chronic conditions or wellness care, but pet owners are occasionally caught by surprise if they aren't aware of them.
For example, most companies won’t cover behavioral problems, breeding or pregnancy–related expenses, cosmetic or elective procedures like tail-docking, ear trims, declawing, etc.(not an exhaustive list). I had a client who purchased a policy and when his pregnant dog developed problems, he was very upset because it wasn’t covered. It was clearly stated in the policy, but he likely didn’t even read the policy until his claim was rejected. This is the reason you should research and ask questions before purchasing a policy. One of my goals in writing about pet health insurance is to give readers a heads up on what to look for and what to ask about. Ideally, you should print a copy of a company's policy that your are interested in, carefully read it - highlighting anything you don't clearly understand, and then contact the company to get an explanation. You should never purchase a policy without reading it thoroughly.
