If you already had an illness or injury when your human bought your policy, that specific condition isn’t covered. You might hear us call it a pre-existing condition. But if you get fully cured, we won’t think of it as a pre-existing condition anymore. So it’ll be covered after that point. 

We won’t cover the cost of any medicines or treatments which aren’t prescribed by a licensed vet - for example, dietary supplements your human picks out at the store for you (even if they’re recommended by a vet, but not prescribed for you).

This condition affects the "ball and socket" joint in your hips. It's not covered from the start of your plan, but if you show no signs of it in the first 12 months, you're covered if it becomes a problem later on (so long as there are no breaks in your cover). 

Your cruciate ligaments are found in your knee joints. It's not covered from the start of your plan, but if you haven't got a problem with them during the first 12 months, you're covered if there's a problem later on (so long as there are no breaks in your cover). 

We like to hear you're well-rested and looking your best, but we won't cover these costs ourselves - even if you have our wellness plan. 

We won't pay for anything your human buys for you, like food or over-the-counter medicines. We also won't pay for copies of your medical records, waste disposal, licenses, tax, or anything else that doesn't directly relate to a vet's costs. 

We'll only pay for vet care you need if you're injured or ill - unless you have our wellness plan, in which case we'll put $750 a year towards vet treatment to keep you fit and well.