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General

What does pet insurance cover?

Pet insurance plans vary, but most include accidents and illnesses as the core coverage. Accident coverage handles broken bones, swallowed objects, lacerations, and emergency vet visits. Illness coverage handles infections, cancer, diabetes, kidney disease, and other diagnosed conditions. Add-on wellness coverage handles routine items: annual exams, vaccinations, flea and tick prevention, dental cleanings, and spay or neuter. Most plans exclude pre-existing conditions (anything diagnosed before the policy started) and have waiting periods of 14 to 30 days after enrollment.

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