Direct answer
No, standard accident and illness policies typically cover only unexpected medical issues, so you must add a specific wellness rider or plan to get coverage for routine exams and vaccinations.
Standard policy specimen documents defining covered perils versus elective wellness services. For additional information about industry standards for coverage, see the North American Pet Health Insurance Association.
What this means for you
No, standard accident and illness policies typically cover only unexpected medical issues, so you must add a specific wellness rider or plan to get coverage for routine exams and vaccinations.
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