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1. Pre-Existing Conditions:
a. Illnesses or injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the date of the scheduled walk in which the injury occurred.
b. Illnesses or injuries masked or controlled by treatment or medication at any time during the 18 months prior to the date of the scheduled walk in which the injury occurred.
c. Illnesses or Injuries that occurred or began within the 18 months prior to the date of the scheduled walk in which the injury occurred through to and including any applicable waiting periods or would have been observable or reasonably known to be present by you or your veterinarian or that are evidenced by the presence of typical signs even if they are not noted in your dog’s medical records.
d. The actual cost of treatment for the following if signs or evidence presented on either side of your dog during the period 18 months prior to the date of the scheduled walk in which the injury occurred: luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, prolapse of the tear gland of the third eyelid (cherry eye), and disease, weakness, instability, tear, partial tear, or rupture of the cranial cruciate ligament.
e. Hip dysplasia if there was any sign or evidence of the potential manifestation of the condition any time prior to the date of the scheduled walk in which the injury occurred, or if the condition was reasonably known to be present by you or your veterinarian even if not noted in your dog’s medical records.
f. Illnesses or Injuries that arise from a repetitive and specific activity (including but not limited to Foreign Material ingestion) if the same or similar activity occurred more than once during the 18 months prior to the date of the scheduled walk in which the injury occurred.
g. Any internal or external growth if a growth of the same type determined by diagnostic testing or medical records descriptions (including exact location and size) is present within the 18 months prior to the date of the scheduled walk in which the injury occurred or occurs or recurs through to and including the 30 days following the date of the scheduled walk in which the injury occurred.
h. The actual cost of treatment relating to intervertebral disc disease if there was any sign or evidence of the potential manifestation of it in any part of the spine prior to the date of the scheduled walk in which the injury occurred through to and including the date of the scheduled walk in which the injury occurred.
2. Preventable Illnesses or Injuries:
We do not cover illnesses or injuries that may arise from your failure to:
a. Act prudently in the care and protection of your dog. You must protect your dog from the exacerbation and/or recurrence of any injury or illness after its initial occurrence and provide proper maintenance/preventive care.
b. Administer vaccinations and preventive veterinary treatment or medication as recommended by your veterinarian to protect against illness. We do not pay claims for illnesses (including treatment or diagnostics) that can be prevented via vaccination or preventive medication if you did not provide that preventive care for your dog.
3. Treatment for Dental Illnesses:
a. Veterinary treatment required due to dental Illness.
b. Periodontal disease, periodontitis, gingivitis, tartar, stomatitis, or resorptive lesions.
c. Dental prophylaxis at any time or for any reason.
d. Toothbrushes, toothpastes, dental foods, chews, rinses, or preventive dental care at any time or for any reason.
e. Open or closed root planing at any time or for any reason.
f. Any veterinary treatment related to retained deciduous teeth.
g. Veterinary treatment costs for tooth extraction resulting from an injury sustained during a Spot walk will be limited to the extraction cost.
4. Rehabilitative Therapy
5. Acupuncture
6. Hydrotherapy
7. Chiropractic
8. Behavioral modification and therapy
9. Homeopathy
10. Naturopathy
11. Herbal Therapy
12. Prescription Food
13. Supplements
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