What does dog insurance typically NOT cover?

When researching dog insurance, it's important to understand the common exclusions. Most policies typically don't cover pre-existing conditions (conditions that your dog showed symptoms of or was diagnosed with before the policy's start date), routine or preventative care (like vaccinations, flea and tick prevention, and routine dental cleanings), cosmetic procedures (such as tail docking or ear cropping), and breeding-related costs. Some policies might also exclude certain breed-specific conditions or hereditary issues if you don't opt for a specific add-on. Always carefully review the policy's terms and conditions to understand the exclusions and ensure the coverage meets your dog's individual needs. Compare policies from multiple providers to find one with exclusions that you're comfortable with. Consider speaking with your veterinarian about your dog’s breed predispositions, and ensure you are choosing an insurance plan that considers these possibilities.