Owners looking to protect their pet’s finances and health may find pet insurance a wise choice.
Owners can rest easy knowing that their dog or cat has health insurance coverage in the event of an unforeseen illness or emergency in exchange for a monthly provider fee (cheaper if paid annually). In addition, they will have the resources to survive the worst-case scenario.
Despite the fact that pet insurance has many benefits, it is important for owners to understand that it works differently from other types of insurance. Pre-existing diseases are thought to be treated differently under pet insurance than under human health insurance. In other words, most pet insurance policies usually don’t cover pre-existing diseases.
Pet Health Insurance and Pre-Existing Conditions: Relationship
Pre-existing conditions are not usually covered by pet insurance due to the high cost of treatment and the relatively short lifespan of pets (dogs live an average of 10 to 13 years, depending on breed). It’s a matter of money because pet insurance companies can’t afford to collect premiums over a long period of time to cover claims about pre-existing conditions.
A pre-existing condition is generally defined by pet insurance providers as an illness or injury that begins before coverage begins, including waiting periods.
It’s important to note that even if a pet’s injury or illness is not officially diagnosed, the insurance company may still deny coverage if the pet has any signs or symptoms prior to catching it. insurance head.
For example, the plan will not pay for limb repairs if your dog becomes limp before the waiting period and coverage begins.
What Are The Pre-Existing Conditions?
Some pet insurance providers can categorize pre-existing conditions into curable and incurable diseases.
Pre-Existing Conditions Treatable
Pre-existing conditions that are curable will be covered by pet insurance providers like Embrace as long as any recurrence occurs at least a year after the last issue. If a disease is treatable and shows no symptoms for 180 days, the ASPCA pet insurance plan will not classify it as “pre-existing” (except for knee and ligament disorders). ). After 180 days, if the disease comes back, it can be considered a completely new problem.
Curable situations include, for example:
- Urinary infection
- Ear infection
- Airway infection
- Urinary tract infections
- Terminally ill
On the other hand, some pre-existing conditions are considered incurable by pet insurers, including:
- Urethral crystals
- Heart condition
- Dysplastic hips
- Kidney illness
- Orthopedic ailments
- Urinary obstructions
Numerous of these illnesses need routine veterinary visits, continuous treatment, and perhaps even surgery. Pet insurance won’t provide coverage for diseases that are incurable already.
How to Determine Pre-existing Conditions
You can still get pet insurance even if your pet has a pre-existing illness and it will cover problems not related to a pre-existing illness. Please keep the following in mind.
Active Pet Ownership Is Key
To prevent an injury or illness from getting worse and costing you hefty vet fees, you should get in as soon as you can. By taking the necessary measures, you can reduce the chance that this condition will cause more accidents or illnesses.
Update your pet’s vaccination record
The last thing you want is for your pet to get sick from an overdue vaccination. If your pet becomes ill because they were not vaccinated on the advice of a veterinarian, many insurance companies may deny the claim.
Check out some pet insurance options
Although pre-existing terminal illnesses are not covered by pet insurance, you may be able to get adequate coverage to cover other medical expenses. In addition to comparing the obvious aspects like monthly costs and deductibles, consider additional things like waiting times and whether coverage is affected by your pet’s age. .
When you choose a Pet Health Insurance and Pre-Existing Conditions for your pet, you are essentially choosing that company as your pet’s lifelong companion. This is important to know before filing a claim because if you switch to another pet insurance company while your pet is still alive, the new company will classify any claim with Old insurance companies are pre-existing and will not pay for them.
Buy pet insurance early
Owners of animals with pre-existing medical conditions should be aware of the financial burden that medical expenses pose. Therefore, buying pet insurance as soon as possible will help reduce costs should the same problem occur in the future.
Alternative pet insurance policy
Alternatives to insurance that provide a way to help cover pet medical costs are offered by businesses like Eusoh and Pawp. For example, for $19 a month, Pawp offers a member benefit program that covers up to $3,000 in emergency vet expenses for pets, including those related to known illnesses. pre-existing.
There are several reasons to purchase Pet Health Insurance and Pre-Existing Conditions. But avoiding coverage concerns may be the strongest justification for ordering early. While your pet is still fairly young and healthy, you can sign up with a provider today to get fuller coverage at a lower cost.