Wagmo Pet Insurance

Wagmo Pet Insurance will not pay for costs associated with or resulting from the following:

General Exclusions:

• Failure to comply with policy conditions.

• Pets younger than six weeks old.

• Costs for vitamins, supplements, and food, unless prescribed by a vet.

• Housing expenses.

• Pool or hydrotherapy equipment rental costs.

• Non-veterinary service fees.

Preventive Care Exclusions:

• Obedience/training classes.

• Preventive care products and treatments.

• Grooming costs (unless medically necessary).

• Time and travel expenses to a vet's premises.

• Extra costs for in-person house calls or after-hours treatment.

Surgery Exclusions:

• Cosmetic or elective surgery.

• Anesthetic removals of foreign bodies limited to two per policy period.

Pre-existing Conditions:

• Injury or illness prior to policy effective date.

• Treatment for pre-existing conditions.

• Treatment for conditions existing at birth.

Specific Conditions Exclusions:

• Knee-related injuries within first six months (unless examined and noted by a vet).

• Treatment of intervertebral disc disease in previously treated areas.

• Genetic testing, breeding, pregnancy, etc.

Medical Treatment Exclusions:

• Alternative and complementary therapies.

• Clinical trial procedures.

• Cloning procedures.

• Organ transplants without approval.

• Treatment related to specific activities.

• Treatment related to epidemics, pandemics, or public safety concerns.

• Decontamination costs for repetitive activities.