There are some operations and procedures that the OP insurance does not cover. These include, but are not limited to:
Treatment measures and operations due to previous complaints that existed/began before the start of insurance - i.e. something for which your pet has been treated, medicated, examined or shown symptoms within the last 24 months. Provided your pet has not shown symptoms for 24 months and has not been treated, medicated or investigated for this pre-existing condition, costs for treatment and surgery will again be covered under the Insurance Terms & Conditions if medically necessary.
Treatment measures or surgeries for injuries/illnesses that existed/began prior to the effective date of coverage or during the waiting periods and are considered chronic (i.e. illnesses that have existed for 8 weeks).
Treatment measures or surgeries due to congenital, genetic hereditary diseases as well as breed-specific diseases (e.g. correction of malformations or deformities), regardless of when the disease was first observed. This exclusion does not apply to the diagnoses and associated conditions of the special waiting period specifically listed in 2.2.1. of our Terms and Conditions, e.g. brachycephalic syndrome, hip joint dysplasia (HD) or elbow dysplasia (ED). A complete list can be found in our insurance Terms and Conditions.
Treatment measures or operations to remedy serious impairments of the animal that already existed before the insurance took effect and are expected to exist for more than one year, i.e. improvement is not expected (disability).
Treatment measures or operations that serve to improve breeding or establish the breed status of the animal
Treatments and surgeries for diseases that normally could have been prevented if subsequent vaccinations had been given without gaps:
Calicivirus and Rhinotracheitis virus (feline rhinotracheitis), Panleukopenia (feline epidemic diarrhea), Feline Infectious Peritonitis (FIP), feline leucosis, and rabies.
Preventive or elective examinations and treatments not directly related to a disease or health condition, or preventive examinations used to diagnose a disease not covered under the policy.
Non-exclusively pain-relieving dental treatment, dentures, fillings and treatment procedures or surgery for dental or jaw abnormalities.
Spaying and neutering without medical indication (in the surgery coverage, as well as in the Mini and Midi medical plan).
Care accessories and supplies
Transport costs for the animal or the veterinarian
Supplementary and dietetic feed
For a full list of excluded procedures, please refer to our insurance terms & conditions.