| Gate | What to ask | Reason it can change the shortlist |
|---|---|---|
| Condition definition | Are hip and elbow dysplasia and other relevant hereditary conditions eligible under this offered version? | Breed acceptance alone does not settle condition coverage. |
| Timing and records | Which start date, waiting period and earlier signs govern this category? | A later diagnosis can follow earlier documented signs. |
| Related limbs or conditions | Does a prior finding affect another limb or a related condition? Ask for the actual clause. | Do not assume a new side of the body creates a new insured event. |
| Recovery scope | Which prescribed rehabilitation, medicine and recheck services are included or optional? | Surgery coverage is only part of a possible recovery bill. |
These questions do not assert that every insurer has the same exclusions. Have each finalist identify its own relevant wording. If the answer is uncertain, keep it unresolved rather than counting it as a covered benefit. If the dog already limps or has another clinical concern, arrange veterinary care and disclose the history accurately.