The bad news is they often don’t cover common and expensive problems. For instance, cruciate tears (ACL in people). This is an exceptionally common knee injury in primarily large dogs, and more rarely small dogs and cats. Surgery is always recommended for this injury but many insurance plans won’t cover it. A few will. So again, know what your plan will and won’t cover.
Another common problem is the dreaded “pre-existing condition” or “breed predilections”. A bulldog with a skin, bone or respiratory problem for instance. Or a German Shepherd with hip dysplasia. These problems might not be covered because they are known problems in these breeds. We’ve even seen where a plan will cover a pet diagnosed with Diabetes, but the next year it is considered a pre-existing and treatment and supply costs are no longer covered.