Both insurance plan provides coverage for dogs and cats, assisting with the costs associated with medically necessary operations performed on the insured animal under anaesthesia, sedation, or local anaesthesia.
Coverage under the Operations for the Standard and Surgery plans includes a comprehensive range of veterinary services designed to address the health needs of your pet. The insurance covers the necessary veterinary operation of the insured animal due to illness or accident (insured event). If an operation is performed, the insured event begins with the examination that was necessary to determine the diagnosis - which leads to the operation. Here's a breakdown of what is covered:
Veterinary Operations under Sedation/Local Anesthesia
Surgical procedures conducted on your pet while under sedation or local anesthesia are covered by the plan.
Diagnostic Examinations
Necessary examinations to establish a diagnosis leading to an operation are covered. This involves initial diagnostic tests, clinical examinations, and special procedures such as X-rays, magnetic resonance tomography, endoscopy, biopsy, and laboratory tests.
*If the operation is not performed, the examination prior to the operation is not insured.
Follow-up Treatment
The plan extends coverage to include follow-up treatment for 30 calendar days after the operation.
Complementary Treatment Methods
The coverage includes complementary treatment methods to support the overall recovery of your pet. This may involve acupuncture, homeopathy, physiotherapy, laser therapy, magnetic field therapy, and neural therapy. These methods are covered if their effectiveness and mode of action have been scientifically documented.
Dental Procedures
Tooth extractions and root canal treatments
If you have chosen to include a deductible you have to pay this out of pocket per insured event before the insurance starts to pay.
If the time of the first appearance of clinically relevant symptoms of diseases or illnesses, or if the diagnosis of the illness is before the start of insurance coverage, the respective illness and its consequences are not permanently covered.