Your claim is related to training, socialisation, therapy or alternative therapies.You pursue a course of treatment other than that recommended by your vet.You failed to take all reasonable precautions to protect your pet from situations which may have led to them suffering an illness or injury.The condition is specifically excluded on your certificate of insurance.It is related to or exacerbated by a pre-existing condition.It is related to grooming or bathing your pet, including the use of medicated shampoos.It is related to breeding or obstetrics.It is for transport or boarding expenses.It is for the treatment of a banned or restricted breed.It is for the cost of regular, prescription or dietary pet food.It is for routine examinations, elective treatment, experimental treatment or cosmetic procedures.It is for organ transplant surgery, artificial limbs or prosthetics.It is for medication not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).It is for genetic testing or cell-replacement therapies.It is for dental procedures, gingivitis, treating or removing fractured teeth, teeth cleaning, removing deciduous teeth or any oral disease.It is for ambulance fees or non-essential hospitalisation.It arises from a malicious act, intentional injury or gross negligence by you or someone who lives with you.
Bow Wow Meow will only cover the cost of what the treatment would have been if conducted within hours at a vet practice, unless it was an emergency situation.
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