Pet health insurance helps cover medically necessary surgeries and the care around them, from diagnosis to recovery. It applies only to new health issues that start after your policy begins, with clear limits for pre-existing conditions and non-medical procedures like routine sterilization.
What types of surgical procedures does pet health insurance cover?
Pet health insurance covers all medically necessary surgical operations for dogs and cats without any coverage limit, as long as the procedure meets the definition of surgery under the plan.
How is surgery defined for coverage purposes?
Surgery includes medically necessary procedures performed under general anesthesia, sedation, or local anesthesia that involve cutting through the skin or underlying tissue with an incision larger than a puncture. Castration or sterilization is covered only if performed for medical reasons such as tumors, inflammation in reproductive organs, or hormone-dependent tumors, and these cases have a 6-month waiting period.
What diagnostic tests related to surgery are included in the coverage?
The insurance covers diagnostic tests and exams like X-rays, MRIs, endoscopies, biopsies, or blood tests when they are directly linked to a planned surgery. If the surgery is not performed, pre-operative diagnostics are not covered.
What follow-up care is covered after surgery?
The plan includes coverage for treatments, medications, and check-ups for up to 30 days following the operation.
Are complementary therapies covered during recovery?
Yes. Recognized supplementary treatments such as physiotherapy, acupuncture, or laser therapy are covered if they support recovery from surgery.
Are any dental procedures covered as surgical treatments?
Yes. Certain dental procedures—such as tooth extractions and root canals—are covered as they fall under the category of surgical treatments in your pet insurance plan.
Are there surgical procedures that are not covered?
Yes. While medically necessary surgeries for new illnesses or accidents after the start of policy are generally covered, some types of operations are excluded.
Surgical procedures are not covered if they involve:
Cosmetic or breed-standard procedures, meaning surgeries performed only to meet breed standards rather than to treat a medical condition.
Brachycephalic syndrome corrections, such as surgery for an elongated soft palate in short-nosed breeds.
Dental procedures that are not medically necessary, including cosmetic dental treatments.
Cryptorchidism-related surgery, which is the surgical treatment of undescended testicles.
Gold implantation therapies, including gold acupuncture or gold wire implantation.
Surgeries resulting from excluded events, such as injuries caused intentionally by pet owners or their family members, or events related to war, civil unrest, natural disasters, epidemics, pandemics, or nuclear incidents.
If you’re unsure whether a planned procedure is covered, you can ask your veterinarian for a treatment estimate and check with us before the surgery.
How are deductibles applied to surgery coverage?
You can choose between a plan with no deductible, or a 20% deductible capped at €250 per treatment. This way, you know upfront what your maximum contribution could be if your pet needs surgery.