Your cat was limping 2 weeks before the insurance and your vet didn`t know what caused it. At the end of your waiting period, your cat will limp again. Lameness would be an already existing condition. “It`s important to note that even if the pet hasn`t been diagnosed with an injury or illness, an insurer may deny coverage if it had signs or symptoms of such coverage before coverage began,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider. There are no pet insurance policies that cover pre-existing conditions. If a condition is diagnosed before your pet insurance kicks in, you`ll have to pay out of pocket to treat that condition. These include congenital diseases that have already been discovered. Knowing what is considered a “pre-existing condition” is crucial. NOTE: Most of the best plans on Pawlicy Advisor don`t have an annual coverage limit! Arthritis is considered a chronic health condition; Therefore, pet insurance will not cover it.
However, if your pet has no symptoms or treatment for an extended period of time, you may be eligible for this type of coverage. Ultimately, your pet must not only show signs of improvement, but also that pre-existing medical conditions have been cured in order to qualify for coverage. See Forbes Advisors reviews on the best pet insurance. If your pet was diagnosed with a disease in an anatomical region with an undetermined underlying cause, a diagnosis of the same area within 12 months would not be covered. For example, gastritis and colitis are two common diagnoses of inflammation, but not at the cause of the disorder. You`ll find that Pet Assure is designed to be simple, effective, and comprehensive for any pet, regardless of age, existing health issues, or breed. Every pet is covered by Pet Assure, without exclusion. You don`t need to file previous veterinary records, prove your pet is healthy, or jump through other hoops just to register your pet. If your pet has never been to a veterinarian or has not been to a veterinarian recently, the insurance company usually asks you to take your pet to a local veterinarian for an examination and provide recordings of the visit before enrolling your pet in a policy.
If you are trying to insure a pet with a pre-existing condition, consider which category this pre-existing condition falls into. If it is curable, then you have hope for a blanket. Consult the guidelines for checking the medical history of insurance companies. Embrace is only 12 months old, which means that if your pet has not experienced any symptoms or treatment related to this pre-existing condition in the past year, Embrace will cover that pre-existing condition. Even if your pet has a pre-existing medical condition, you can still purchase pet insurance that covers conditions unrelated to the pre-existing condition. Here are some things to keep in mind. Jason Metz is a writer who has been working in the insurance industry since 2007. As a former claims manager and fraud investigator, he has seen a lot and enjoys helping others navigate the complexity and opacity of insurance. He holds a B.S.
in Criminal Justice from the University of Kutztown and an M.F.A. in Creative Writing from the University of California Riverside, Palm Desert. If your pet suffers from a bilateral illness after the start of coverage, it is well covered. With thousands of veterinarians participating in Pet Assure, this veterinary discount plan is a convenient and affordable option for pet owners across the country. It`s an easy and easy way to save money on your vet bills, and you can even use Pet Assure in conjunction with pet insurance for better coverage. With Pet Assure, there are no surprises, no lengthy refund processes, and even if your pet needs a lot of veterinary treatment, you don`t have to worry about them being removed from the plan. The sooner you are insured, the fewer “pre-existing” health conditions you have. Purchasing insurance before your pet develops a chronic condition can significantly reduce the cost of your vet bills.
Pre-existing conditions are significant problems or conditions your pet has before you enroll them in an insurance program. For example, cancer, heart disease, arthritis, and other very common pet conditions are considered pre-existing conditions. If you are aware of these conditions, you are required to disclose them to the insurance company. Again, for this reason, it`s always best to purchase pet insurance while your pet is young and healthy. This way, your pet is covered by your insurance policy if they get sick, have an accident and even if a chronic illness develops. In general, pre-existing conditions are not covered by most pet insurance plans, but there are exceptions. It all goes back to what the insurance company defines as already existing. For most pet owners, a veterinary discount plan as well as pet insurance are the best solution.
In this way, your pet is insured against accidents or the development of new diseases and you can also get discounts for veterinary care. While no pet insurance covers incurable pre-existing conditions, you have options to ensure your pet receives the best care. Pre-existing conditions are usually determined by a veterinarian`s diagnosis, but a diagnosis is not always necessary. If your pet has symptoms before you purchase pet insurance and is diagnosed after your insurance takes effect, your insurer may consider it a pre-existing condition. If you have a pet with a pre-existing condition, Pet Assure may be the perfect option for you.
