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All Petplan policies through Esurance cover the treatment your veterinarian recommends to get your 4-legged friend back on its paws after an unexpected illness or injury (up to the limits you choose for your policy, as long as the condition did not pre-exist the policy or occur during the policy waiting period).

Treatments your pet could be covered for include:

• Prescription medications
• X-rays, MRI, and other imaging
• Laboratory and diagnostic testing
• Hospitalization and surgery
• Cancer treatment
• Hereditary conditions
• Dental conditions
• Long-term chronic conditions (like diabetes or hip dysplasia)
• Alternative treatments (like acupuncture or hydrotherapy)

Your reimbursement will be based on the actual amount you paid to the veterinary clinic, instead of a benefit schedule or a fee determined by the insurer. That means you'll never max out per-incident or per-illness caps on coverage — because there aren't any. Instead, there's a simple annual limit of up to $22,000, depending on the coverage package you choose.

Once your pet is covered with Petplan, they're covered for life. While many insurers exclude chronic conditions as pre-existing once the policy term expires, Petplan covers chronic conditions year after year — with no individual price increases based on claims activity — as long as the policy is renewed each year without a break in coverage. In other words, Petplan never raises your premium just because you've made a claim.