As with all household and motor insurance policies there is likely to be an excess on the policy so you will pay a small proportion of any veterinary bills. Policies are not designed to cover day-to-day maintenance and routine health care. Treatment for diseases that were already present at the time that insurance was taken out will usually not be covered. Vaccinations, neutering costs and other routine preventive treatments are also excluded from most policies, as are the costs relating to an animal that becomes pregnant.