This page provides a brief overview of some insurance exclusions. We strongly recommend that you carefully read the Insurance Terms and Conditions. A complete list of exclusions can be found in Section 4.
These insurance terms are currently available in German only. If you need help understanding the terms, please don't hesitate to contact us 💙
Which illnesses or injuries are not covered?
Diseases that are explicitly excluded:
❌ The following conditions are not covered under the insurance:
Wobbler Syndrome (Cervical Spondylosis)
Cauda Equina Syndrome (Lumbosacral Stenosis)
Growth disorders of the forearm (Radius curvus)
Degenerative Myelopathy (DM) (a genetic spinal cord disease)
Cryptorchidism (Undescended testicles)
Congenital Hernias (Umbilical, inguinal, diaphragmatic hernias)
Conditions with an 18-month waiting period:
⚠️ The following diagnoses have a special waiting period of 18 months from the start of the insurance:
Hip Dysplasia (HD)
Elbow Dysplasia (ED)
Osteochondrosis Dissecans (OCD)
Patellar Luxation (Dislocation of the kneecap)
Eyelid malformations (Entropion, Ectropion)
Brachycephalic Syndrome
FORL (Feline Odontoclastic Resorptive Lesions/Feline Tooth Resorption)
❌ If signs or symptoms of these conditions appear before the start of the insurance or during the 18-month waiting period, they will not be covered.
Additional exclusions may include:
Pre-existing conditions or chronic illnesses (e.g., allergies diagnosed before insurance start)
Diseases that develop during the general waiting period
Certain treatments or procedures that are not medically necessary
And more..
For full details, please refer to Section 4 of the Insurance Terms and Conditions.