PurinaCare Podcast - Exclusions, Part 2: Breeding and Other Items

In Part 1, we talked about the most commonly talked-about exclusion for Pre-Existing Conditions. This time, we'll cover many of the other exclusions listed in the PurinaCare™ Pet Health Insurance policies:

Once again for the left-brain learners, here's some of the relevant language

from the sample policy on the PurinaCare.com website:

IV. EXCLUSIONS

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• Breeding, Fertility, and Pregnancy including any related issues and complications.

• Alternative Care, including but not limited to: chiropractic care, acupuncture, and muscle manipulation, unless prescribed and performed by a “Licensed Veterinarian” in a “Clinical Setting”.

• Cosmetic and Elective Procedures - including but not limited to: Ear Cropping, Tail Docking, Debarking, Nail trimming, Dewclaw Removal, Declawing of Cats or Dogs, Tattooing, any Cosmetic procedures, Disarming (cutting and capping teeth) Orthodontics or Cosmetic Dentistry.

• “Training” – even if prescribed or performed by a “Licensed Veterinarian”.

• All pet foods for any reason.

• All Nutritional supplements, vitamins, nutriceuticals, holistic medications, herbs, and natural remedies for any reason even if prescribed by a “Licensed Veterinarian”.

• Grooming, bathing for any reason, and dipping; however, dipping for the eligible treatment of Scabies and Demodex is covered if performed by a “Licensed Veterinarian” in a “Clinical Setting”.

• “Boarding”.

• Preventable Conditions are excluded unless “You” provide “Preventive Care” according to “Your” “Veterinarian’s” recommendations for vaccinations and other “Preventative Care” (included but not limited to: Parvo, Canine and Feline Distemper, Kennel Cough, Heartworms, Feline Leukemia). Failure to follow “Your” “Veterinarian’s” documented recommendation(s) may result in denial of a claim.

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And once again, please remember the above is only an excerpt from the "without preventive care" sample policy. As the PurinaCare website cautions: "For further details, please view the PurinaCare™ without Preventive Care SAMPLE Policy. Please refer to the insured’s actual policy for complete terms, conditions, limitations, and exclusions."

Tune in next time, when we'll discuss coverage of conditions often regarded as "hereditary" among certain breeds.