There may be a statement that elective procedures are not covered. Be sure both you and the insurance company have a clear understanding of what is considered elective, or you may be in for a surprise. Read carefully the limits associated with the policy. Policies vary widely. Generally the higher limits are associated with higher premiums or with benefit schedules or other allowances and restrictive conditions such as age and whether the condition was pre-existing or hereditary.
Policies are available with or without deductibles.
Often a deductible will be added to the percentage co-payment. Benefit schedule . Some policies pay up to a certain amount for a given health problem. Those with such restrictions will provide a benefit schedule, and payouts usually are a percentage of the benefit schedule allowance. A benefit schedule tends to make it possible for insurance companies and their underwriters to provide greater coverage for lower premiums because it eliminates the problem of veterinarians overcharging.