Why to Consider Pet Insurance?

June 20, 2022

If you’re like us you probably have a furry friend. There’s nothing better than a dog or cat to be by your your side—whether it’s licks after a long day at work, a companion to join you on your walk around the park or a fuzzy and happy face to wake up to every morning. However, like us our animals can fall victim to the unexpected in life, which makes us ask the question: is your pet covered?

If not, why not consider pet accident and illness coverage? Secured Insurance Group now offers coverage for your pets in select cases resulting from accidents or illness! 

Accident Benefits

Your policy reimburses actual costs for covered expenses related to the diagnosis and treatment of injuries resulting from an accident up to the annual limit noted on your declarations page.

Eligible accident expenses are:

1. End of life expenses

2. Intravenous (IV) fluids and medications

3. Medical supplies (such as but not limited to bandages, casts and splints)

4. MRI or CT scans and X-rays

5. Poison control consultation fees

6. Prescription food to treat a covered condition; not for general health maintenance, or prevention, even if prescribed or dispensed by a veterinarian

7. Prescription medications prescribed by a veterinarian and approved by the Food and Drug Administration (FDA)

8. Stem cell therapy

9. Supplements to treat a covered condition; not for general health maintenance, or prevention even if prescribed or dispensed by a veterinarian

10. Surgery and hospitalization

11. Tooth extractions

12. Veterinary Treatment, including examinations, consultations and laboratory tests

Illness Benefits

Your policy also reimburses actual costs for covered expenses related to the diagnosis and treatment of illnesses, up to the applicable limits, exclusions and limitations.

Eligible illness expenses are:

1. Expenses listed above under accident benefits when applicable to illness

2. Cancer treatments (including but not limited to chemotherapy and radiation treatment)

3. Treatment for behavioral problems if performed by a veterinarian or through a written referral by a veterinarian to an Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB)

4. Dietary supplements, including vitamins and nutraceuticals, manufactured and labeled with ingredient analysis that are recommended by Your Veterinarian in the treatment of Illnesses and Injuries covered by this policy and not for routine or preventive care


Of course, like any policy, not all costs will be covered. Here are some exclusions. 

1. Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing

2. Anal sac (gland) expression and/or resection when no infection or disease is present

3. Boarding, expenses related to the cancelling of travel or holiday plans, or the advertising and reward of finding a lost pet, unless the applicable Boarding, Advertising, and Holiday Cancel Endorsement is applied to this policy

4. Breeding, pregnancy, whelping or nursing, unless the applicable Breeding Endorsement is applied to this policy

5. Conditions that occur during a waiting period

6. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)

7. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement

8. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven

9. Funeral services, memorial items, urns, caskets, or burial plots/fees

10. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims)

11. Herbs

12. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital

13. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet

14. Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition

15. Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax)

16. Organ or heart valve transplants

17. Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period

18. Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or limited ingredients

19. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement

20. Training or training devices

21. Treatment when the veterinarian conducting or supervising is you or a co-owner on your account

22. Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion.

23. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing

24. Dietary supplements for routine or preventive care

25. Holistic Treatment or Alternative Therapy, including but not limited to: Acupuncture, Chiropractic, Homeopathy, Hydrotherapy, Naturopathy, Physical therapy, Rehabilitative therapy, unless the applicable Holistic and Alternative Treatment Endorsement is applied to this policy

26. Spay and Neutering procedures

27. Hunting accidents, or injury to a pet by a wild animal during a hunting trip, this exclusion does not apply to pets that are injured that are not participating in the hunt

28. Any accident to a pet during a pet show, or an event where the pet is competing doing stunts or participating in a show of physical activity

Of course, different policies offer different types of coverage so we recommend chatting with your insurance agent about your fury friend. Our principal agent Colleen Pacheco can assist you in purchasing this coverage! You can reach her via email at colleen@securedinsurancegrp.com or by phone at 407-559-2200.

Agent, NPN #7042529