Policy Fine Print
Exclusions, waiting periods, bilateral clauses, deductibles and payout methods, quoted from the contract wording rather than the marketing page.
- Policy Fine Print Pet Insurance Waiting Period: Orthopedic 30 or 180 Days One insurer's two pages, same four knee and hip conditions: thirty days in six states, a hundred and eighty everywhere else. Your address decides which.
- Policy Fine Print Bilateral Exclusion Pet Insurance: The Second Knee One clause excludes the other knee even with no clinical signs on that side. Four carriers word it four ways, and two of them deny without using the word.
- Policy Fine Print Pre-Existing Condition Pet Insurance: The Chart Note One insurer, four states, four different definitions of the same two words. Which one is printed on your policy decides whether an old note is permanent.