Your search for pet insurance options will most likely be fruitless if your dog or cat has already been diagnosed or treated for an ailment. A pet’s clean health report is reassuring for the insurer. Whereas, the insurer considers it a risky business to deal with a pet that has already developed symptoms of certain chronic diseases or suffers from a dysfunction.
A pre-existing condition is a health condition identified before the implementation of an insurance policy. It might be anything from a viral disease to a chronic illness such as diabetes mellitus, hepatitis, renal issues, arthritis, heart disease, and several others serious health complaints.
From the standpoint of cat and dog insurance providers, covering pre-existing conditions is high-risk for the company. Suppose, insurers begin to support pets with long standing and deep-rooted health troubles, imagine how much money they would have to shell out to care for these distressed pets. The insurance company’s survival itself becomes a challenge. So, that is the reason they reckon you to buy a policy as soon as possible.
That’s why if a condition is detected before your insurance kicks in, you’ll have to bear the treatment costs including any previously identified congenital conditions. You can see why it’s such a great idea to lock in a pet insurance plan early – to ensure your pet’s medical care is covered. Plus, you must know these are long-term plans that you can’t afford to sign up for at the last moment.
Pre-existing conditions are determined by your pet’s diagnosis at a vet, although this is not always the case. If your pet exhibits symptoms before obtaining Insurance For Pets Online and is diagnosed later, your insurance company may consider this a pre-existing condition.
Allergies, cancer, endocrine disorders like Cushing’s Syndrome, seizure and epilepsy are just a few of the most prevalent conditions that can be deemed pre-existing if the pet is treated before becoming insured. Many insurers – whether offering dog insurance or cat insurance – don’t cover congenital disorders that develop over time either.
However, any good policies will cover treatable (non pre-existing) illnesses and accidents after a specified waiting time! That’s what they’re there for – to help you afford quality medical care for your furry family member when you really need it. Depending on your insurance plan, you can claim thousands, even tens of thousands of costs per year.
As a result, insurance is still very much worthwhile.
Most policies do not cover food, equipment, or grooming but some do go so far as to offer wellness plans that cover boarding kennels and rewards/advertising for missing pets. A policy with robust accident and sickness coverage paired with a pet wellness plan will cover a substantial portion of virtually all of your possible veterinary expenditures. Up to your plan’s defined annual benefit limit, of course.
Cats have many of the same pre-existing diseases as dogs, including allergies, cancer, and heart disease. Both species can also have treatable pre-existing diseases like infections and gastrointestinal issues. As above, these are pre-existing diseases if they are discovered before your cat insurance starts. However, (non congenital) treatable conditions may be covered if/when they develop.
Before they cover your pet, some pet insurance companies need a complete health assessment of your pet from your veterinarian. However, in most situations, they will merely inquire whether your pet has any pre-existing problems. Be truthful in your response, as lying to your insurance provider may lead to the denial of claims and/or cancellation of your coverage.