1) GENERAL EXCLUSIONS
We do not cover:
a. Veterinary examination fees.
b. Injury from an accident that occurs within the first fifteen (15) days following the pet policy effective date.
c. Illness that occurs or recurs within the first fifteen (15) days following the pet policy effective date.
d. Illness related to hip dysplasia that occurs or recurs within the first twelve (12) months following the pet policy
effective date.

2) PRE-EXISTING CONDITIONS
We do not cover pre-existing conditions that were treated for within six months of the policy effective date.
Pre-existing conditions means:
a. illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms
consistent with the stated illness or condition prior to the pet policy effective date;
b. an injury or recurrence of an injury that occurred prior to the pet policy effective date; or
c. any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective
date.

3) PREVENTIVE CARE EXCLUSIONS
We do not cover:
a. Spaying and neutering.
b. Preventive healthcare including vaccinations or titer test, felea control, heartworm medication, de-worming, nail trim, and grooming.
c. Parasite control inclduing but not limited to internal and external parasites for which readily available prophylactic treatments are available.
d. Dental health care, however, if injury to teeth is caused by an accident, we do cover the cost of extraction and/or reconstruction of damaged teeth.
e. Anal gland expression.

4) OTHER EXCLUSIONS
We do not reimburse the costs, fees or expenses associated with:
a. Injury or illness due to any intentional, neglectful or preventative act, including organized dog fighting, by you or a member of your household.