Your pet health insurance helps with the costs of medically necessary operations. If your dog or cat needs surgery due to an illness or accident, the insurance will cover the essential steps before, during, and after the procedure.
Unlimited coverage for operations
Both the Surgery and Plus plans include unlimited coverage for operations, as long as the procedure meets the definition of surgery. If you’ve chosen a plan with a deductible, the insurance will cover the costs minus your deductible amount.
What counts as surgery?
Surgery means more than just “any operation.” It includes procedures that are medically necessary and performed under general anesthesia, sedation, or local anesthesia and involve cutting through the skin or underlying tissue with an incision larger than a puncture.
Castration or sterilization is covered only if there’s a medical reason, such as tumorous changes, inflammation of the reproductive organs, or hormone-dependent tumors. (Please note: these cases are subject to a special waiting period of 6 months.)
What’s included in coverage
Operations: All medically necessary surgeries, with no coverage limit.
Diagnostics: Tests and exams (like X-rays, MRIs, endoscopy, biopsy or blood tests) that are directly linked to a surgery. If the operation is not performed, the pre-operative examination is not insured.
Follow-up care: Treatment for up to 30 days after the operation, including medication and check-ups.
Complementary therapies: Scientifically recognized treatments such as physiotherapy, acupuncture, or laser therapy if they support recovery.
Dental procedures: Necessary treatments such as extractions and root canals.
Good to know
Pet health insurance only covers conditions that arise after your coverage begins. If your pet showed symptoms or was diagnosed with an illness before your policy started, that condition (and anything related to it) will be permanently excluded from coverage.