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A good pet medical insurance policy can be a true life-saver if your pet has to have veterinary treatment that you couldn't otherwise manage to pay for. Whether it's down to an accident or disease, the large vet charges could easily force you into having your pet euthanized if it wasn't for the financial support that insurance offers.

Nonetheless, as with all matters economic, things aren't always so simple. Pet insurance providers can vary widely in what exactly they'll approve a claim for, and so it makes sense to read the small print before taking out a policy to make sure that all you need to be covered is covered. It's a good idea to find out what's overtly omitted from cover as well as what's allowed, and some examples of common exclusions are discussed below.

Everyday Care: The prices of grooming, teeth hygiene, flea control and general examinations are not normally covered by pet insurance policies.

Vaccinations: Although it is a good idea to inoculate your pet against the mo0st common diseases, the price will commonly have to be borne by you and not the insurance company.

Little Fees: Most products have an 'excess' sum under which claims will not be approved. Smaller excess amounts usually mean higher premiums.

Pre-existing Conditions: Costs resulting from conditions or illnesses which were already known about when the insurance was issued will not normally be allowed.

Lifelong Treatments: Some policies will only pay out for the first year of a long term intervention such as that for diabetes.

These are only a sampling of the more commonplace exclusions present in pet insurance policies, and of course each policy will have its own small print to interpret. However dull it may well be, it's essential to read this before selecting the policy if you want to be sure your policy won't end up being worthless when you have to call on it.

Read more articles on pet insurance at http://www.petinsuranceinfo.co.uk/