Not all pet insurance is built the same, but you usually have to dive deep into the exciting pages of the Product Disclosure Statement (PDS) to uncover any hidden gaps in coverage or special clauses. While much of the general exclusions among pet insurance providers are identical, there are some notable exceptions which exclude entire conditions. We’re not talking rare conditions either. These are some of the most common conditions for some specific breeds which could make you think twice about the peace of mind your policy is really affording you.

To help you navigate this tricky world of exclusions, we’ve compiled the biggest examples of these exclusions and the breeds most affected.

No Cover for Brachycephalic Obstructive Airway Syndrome (BOAS)

(Image Generated by AI)

Insurers affected:

By default, BOAS is excluded in the policies of these insurers, and requires a BOAS application form to be completed and accepted by them before coverage is provided. This application will require a visit to the vet and an examination of your dog.

Breeds succeptible to BOAS: French Bulldog

No Cover for IVDD, Patella Luxation, and Elbow Dysplasia

(Image Generated by AI)

Insurers affected:

This is a bit of a unique one, affecting three conditions that are hardly rare.

Breeds succeptible to IVDD: Daschund, Miniature Daschund, Basset Hounds, Beagles, Bulldogs, Corgis, Cocker Spaniels, Pekingese, Poodles, Shih Tzus, Chihuahuas, Jack Russel Terrier, Bichon Frisé, Maltese*

Breeds succeptible to Patella Luxation: Poodles, Pomeranians, and Shih Tzus, and occurs occasionally in large breed dogs**

Breeds succeptible to Elbow Dysplasia: Labrador Retriever, Golden Retriever, German Shepherd Dog, Bernese Mountain Dog, Rottweiler, Newfoundland, Bassett Hound, and English Springer Spaniel***

No Cover for Vaccinatable Diseases Where Not up to Date on Vaccines

Insurers affected:

Almost all providers want you to keep up to date with your pet’s vaccines before they’ll step in to cover infectious diseases. While it can be argued that this is a good incentive to prioritise your pet’s vaccine schedule, accidents happen and missing a vaccine will leave you without cover should your pet fall sick with a communicable disease like cat flu or kennel cough. Vaccinations are also very easy to check on your vet history, so there’s no hiding from this one.

For ease of finding the few brands that don’t punish you in this way, we’ve listed them as well below.

Insurers not affected:

Disclaimer: I, the author, work for a pet insurance company. This article reflects only my personal opinions and holds no affiliation with my workplace. I am not remunerated in any way for this article. I will never recommend nor advise you toward an insurer. The information provided here is factual in nature only.

*https://pawsandmorevet.com.au/intervertebral-disc-disease-ivdd-dogs/

**https://www.greencrossvets.com.au/pet-library/articles-of-interest/common-conditions-patella-luxation/

***https://www.akc.org/expert-advice/health/elbow-dysplasia-in-dogs/