In general, diagnosis and treatment for any accident, injury, or illness, will be covered by the policy. However pre-existing and chronic conditions will almost certainly be excluded or subject to an excess. Understandably any insurance policy with a high claim likelihood has to maintain a careful balance between premium level, excess charges and exclusions for the insurer to remain in business.
As in human medicine a very large number of sophisticated diagnostic tests are available. Some will require the services of a laboratory, for example blood and urine samples to test for the presence of infection, diabetes or metabolic disturbances. X-rays and ultrasound scanning are other commonly used diagnostic procedures. Rapid diagnosis is vitally important in the treatment of any illness and diagnostic tests may have to be carried out at intervals to monitor the success of the treatment or antibiotics being prescribed for an infection.
Cats and dogs stray on to roadways and frequently have to undergo hospitalisation following an accident. X-rays, transfusions and major surgery involving the placement of metal implants, screws and plates to restore the function of shattered bones all require expensive resources. An insurance policy in these circumstances will bring peace of mind.
Rare and unusual conditions such as leukaemia or cancer may have to be referred to a University establishment or specialists for treatment. Advanced cancer diagnosis and treatment can be given, for instance at Cambridge University and the Animal Health Trust at Newmarket.