Just as with any form of insurance there are some exclusions when you take out pet insurance. These are the things that are not covered in the policy and you need to be aware of these.

One thing you have to be aware of when considering taking out pet insurance is if your pet already has an existing medical condition. Usually vets bills related to that illness are not covered in the insurance policy. Therefore taking out insurance while your pet is very young makes a great deal of sense, and usually means the premiums are lower than those for an older pet. Hereditary illness or disease is typically also excluded so consider this too.

If your pet has to have a special diet this is usually excluded from the policy so you will not be able to claim for any special foods your pet eats.

While illness and injury is usually covered in pet insurance bear in mind that usually you have to wait so many days after taking out the policy before being able to claim. This could be anything from not claiming within the first 10 days to as long as 30 days from the start of the policy, so always check this.