The NEA Pet Insurance Program: What’s Covered & What’s Not?
When it comes down to what’s included in your pet health insurance coverage from the NEA Pet Insurance Program, provided by Pets Best, we want you to know exactly what’s covered and what isn’t. The Program offers several types of pet insurance plans ranging from those providing comprehensive coverage to those offering more targeted coverage for members looking for budget options.* Additionally, the NEA Pet Insurance Program offers a Routine Care Wellness Plan. Since pets are notorious for getting into things they shouldn’t, there is a wide range of coverage for even the most mischievous cats and dogs!
What’s Covered?
1. BestBenefit Accident and Illness Plan
The BestBenefit plan offers the widest amount of coverage for the diagnosis and treatment of accidents and illnesses. Some examples of the coverage include broken bones, cancer, diabetes, allergies, foreign object ingestion, full congenital and hereditary coverage including hip dysplasia and cruciate ligament injuries (ACL), MRIs, surgery, medication and physical rehabilitation.
2. Cancer Only Plan
Covers the diagnosis and treatment of cancer in dogs and cats, including exams, blood work, surgeries, medications and chemotherapy. This is a great low-cost option, especially for older pets.
3. Accident Only Plan
Covers the treatment of accidents and injuries suffered by dogs and cats, such as getting hit by a car, swallowing a rock or stick, breaking a bone, or eating something toxic. Coverage includes the exams, X-rays, surgeries, hospitalization and medications needed to treat injuries from an accident.
4. Feline Illness Plan
Covers the diagnosis and treatment of 21 feline illnesses commonly found in indoor cats, including diabetes, cancer, chronic renal (kidney) failure, heart disease and intestinal foreign objects and is extremely affordable.
Routine Care Wellness Plan
The BestWellness routine care coverage can be added to any of the pet insurance plans for an additional premium. The plan helps pay for some routine care items such as annual exams, vaccinations, and teeth cleaning.
What’s Not Covered?
The NEA Pet Insurance Program and Pets Best believe in being completely transparent, and like other pet insurance plans, ours have some exclusions in order to keep prices affordable. Here are some examples of what’s not covered under the NEA Pet Insurance Program:
Pre-Existing Condition– Any illness or injury that begins before coverage is effective, or during the waiting period, will be considered “pre-existing.” Some conditions, like broken legs or kennel cough, heal or are curable and require no further treatment. Once healed or cured, these are not considered pre-existing conditions.
Parasites– Testing, treatment and prevention of parasites are not included. Limited coverage for parasite testing and prevention is available with the optional BestWellness™ Plan. Examples of parasites are: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies.
Non-Veterinary Expenses, Foods, Special Diets, Vitamins & Supplements– Examples of non-veterinary expenses include: taxes, administration fees, waste disposal fees, transportation fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian.
Elective & Preventative Procedures– Examples of elective and preventative procedures include: anal gland expression and removal, tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal. Limited coverage for vaccines and preventive care is available with the optional BestWellness Plan.
Herbal, Holistic, and Experimental Therapies & Medications– Herbal, holistic, and experimental therapies and medications are not covered. However, chiropractic care and acupuncture are covered on a limited basis.
For more information about the NEA Pet Insurance Program and available plan options, please visit www.neamb.com/PET or call toll free: 877-738-7237.
*Please note: Policies available in Florida, South Carolina, and Washington State vary from the above descriptions.
# # #