When Does a Pet Insurance Policy Not Make Sense?

Some pets simply will not qualify for a pet insurance policy, or the cost will be extremely prohibitive. Most companies do not cover pets with birth defects or pre-existing conditions. Many also do not cover regular exams, check-ups, vaccinations, and spaying or neutering. Some do not cover the costs of breed specific "beautification," such as tail docking, or the costs of breeding. If your pet has a pre-existing medical condition, or your pet is extremely old, the cost of an insurance policy that will cover these conditions may be prohibitive, or may not be available for all. A pet insurance policy does not answer the pet health questions and challenges of all pets, but it can be the right medical answer for most pets.