Wednesday, June 15, 2022

Does Any Pet Insurance Cover Pre Existing Conditions

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Health Conditions That Will Likely Not Be Covered

What you need to know when shopping for pet insurance

The health conditions that disqualify pets from an insurance policy are usually those that have no cure. The most common ones include:

  • Cancer
  • Arthritis
  • Urinary blockages

Furthermore, your pet will not qualify for insurance if its injuries are because of inhumane treatment.

A practical example of where an injury will likely not be covered:

If your pet tore its right legs cruciate ligament, a few years before you got the insurance cover and then the pet tears the cruciate ligament on its left leg when you already have a cover, then the left tear will not be covered. The tear on the second leg is considered a pre-existing condition.

What Are Some Pre

A pre-existing condition could be just about anything, but some of the most common are allergies, cancer, diabetes, heart disease, arthritis, and epilepsy. Many congenital conditions, which occur at or before birth, are considered pre-existing conditions if they are diagnosed before you get dog insurance.

Do I Need Pet Insurance

Publish Date:

Veterinary care is advancing quickly with many vets holding certificates in specialist areas that just would not have been the case 10-15 years ago. With this increased knowledge in medical and surgical techniques, pets can be successfully treated for a wide variety of conditions that enable our pets to live longer, healthier lives.

Along with the advancement in specialist vets, come specialist referral centres that are now numerous across the country. As there is no animal NHS service, as pet owners we are responsible for funding their private healthcare which incorporates preventative care, emergency care and ongoing treatment.

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Cat And Dog Insurance That Covers Pre

We’re the only pet insurer that covers pre-existing conditions your pet has recently suffered from.

We have a unique policy called Pre-Existing that covers medical conditions your dog or cat has experienced in the past as long as they have not received treatment, medication or advice for them in the three months before your policy starts.

Youll also receive up to £7,000 of lifetime vet fee cover for new conditions.

Pet Insurance For Dog With A Pre Existing Condition

What are pre

Did you know that it’s nearly impossible to find pet insurance for a dog with a pre existing condition? Unfortunately, this is a true statement. As much as I research, theres simply not any companies that will cover all pre-existing conditions. Wondering why? Lets dig into it.

A pre-existing condition is typically defined as a condition that you or a vet noticed as a problem with your pet before your pet insurance coverage started. For instance, if your dog has a liver infection and then you purchase pet insurance, treatment for the liver infection will not be covered.

If, however, the infection heals and is gone for years before it happens again, it would then be covered with under some insurance companies. Not all companies will cover chronic conditions like this, however, so you need to be careful what you purchase. Even if companies do not cover the cost of treatment for a pre-existing condition, they will still insure your dog for other problems.

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Why Embrace?

  • Up to 90% Back on Bills at Any Vet
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Investing In Your Pet’s Future

Even if your pet has a pre-existing condition, Pet Assure provides a practical way that you can still reduce the costs of any veterinary care that he may need. There’s no hassle, there are no exclusions, and the process is far easier than dealing with pet insurance companies. You’ll receive discounts from participating vets right at the time of service, so you’ll instantly save money.

No matter what pre-existing conditions your pet may have, Pet Assure makes veterinary care more affordable so you can ensure your pet always gets the care he needs and deserves.

Essentials Of Pet Insurance

Pet insurance is a sort of coverage intended specifically for pet owners. This sort of insurance is most commonly used for cats and dogs, but it can also be used for a wider range of animals. Ferrets, rabbits, hamsters, potbelly pigs, and exotic birds, for example, may all be covered. There are three main levels of coverage available for pet insurance:

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Should I Just Open A Pet Health Savings Account

Some people recommend that you open a pet health savings account instead of paying monthly premiums, arguing that most policies arent worth the cost over a long period of time, especially when you have a generally healthy animal.

Though its true that most pet owners wont get back in benefits what theyve paid in premiums, this is actually a good thing, since it means your pet was healthy. The idea behind pet insurance is to help defray the costs for emergency treatments that youd have trouble paying for out-of-pocket, and a savings account may not actually be enough to do so.

Many pet owners adopt a three-pronged strategy for financing their pets needs and opt for some insurance for emergencies and unexpected situations, a savings account for wellness care, and either a regular credit card or something like CareCredit for deductibles.

This means theyve covered all the bases and can rest assured that life-and-death decisions for their pet wont be determined by an immediate lack of funds.

Whatever decision you make, bear in mind that since most insurance policies dont offer coverage for pre-existing conditions, it behooves you to insure your animal friend as soon as possible. That way, if any condition does develop, it will happen after its already covered.

Finding Good Pet Insurance

Pooches at Play | What does a pre-existing condition mean for my pets insurance?

Finding good pet insurance is a lot like finding good health insurance for humans. You have to do some research, and there are multiple ways for you to find them. In general, there are three main ways that people get pet insurance: employer benefits, marketplace options, and directly from provider companies.

If your employer offers pet insurance coverage, you can opt to go through them, though you may have limited options. You can also find a pet insurance marketplace that lets you choose from several companies. Pet insurance marketplaces include and

The final way for you to find good pet insurance is to go directly to the source. Often, insurance companies that offer other types of insurance will offer pet insurance as well, such as Farmers or Lemonade. You can also opt for a company thats focused specifically on pets, such as ASPCA Pet Health Insurance.

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Is There Hope When It Comes To Pre

Yes, there is hope, do not give up just yet.

Hoping that the insurance company you are looking to get a pet insurance cover from operates like most other insurance companies, there are situations that can qualify your pet for coverage regardless of whether it had a pre-existing condition or not. Here are the common exceptions to the pre-existing conditions rule:

  • If the disease or condition that your pet is or was suffering from, is curable. Most insurance companies will cover your pets condition if it was sick but is now well, and has not shown signs or symptoms of the disease or condition for at least six months to a year. It is important to note that the rule applies to conditions that are actually curable, not those that can remain dormant for a while but remain in the system.
  • If the disease or condition that your pet is or was suffering from, is a hereditary disorder. A hereditary disorder is one that is passed down to your pet from its parents, regardless of whether the disorder is visible or not. Although the specific types of disorders attract different attention from the insurance companies, it is important to understand the company policy concerning these disorders properly.
  • What Is Covered By Pet Insurance

    Different pet insurance plans cover different things. To be certain of what a particular plan covers, youll need to read through it and ask questions of the representative youre dealing with. But in general, most pet insurance plans will cover accidents and illnesses. This includes a wide range of incidents, including broken bones, cancer, other diseases, injury from accidents or dog fights, and more.

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    Why We Created Pre Existing Medical Conditions Pet Insurance

    We listened to tens of thousands of pet owners to design a product that people want.

    We provide £500 of cover in total for all pre-existing conditions in the first year of your policy. If you do not make a claim for any conditions well increase your vet fee limit to £1,000 in the second year and if you still havent claimed well up the limit to £7,000 from year three onwards.

    If you do have to make a claim in the first two years for a pre-existing condition that reoccurs, your vet fee limit will remain at or drop to £500 for pre-existing issues.

    The policy includes up to £7,000 of lifetime cover for any new conditions you need to claim for.

    Our Pre-existing insurance is designed to cover conditions your pet has suffered from in the past two years because other insurers do not offer cover for recent illnesses.

    If your pet experienced a condition longer than two years ago and it has not needed treatment or advice since, all of our pet insurance policies should cover it.

    We think the industry can do better, so our policy aims to offer comprehensive insurance for pets of any age that is fair for all owners.

    How Does Age And Breed Of Dog Reflect Insurance Policies

    How Do Pet Insurance Know About Pre Existing Conditions

    Some policies will have an age limit at the start of the policy, with many stating they do not take on new policies for first-time dogs that have already reached 8 years old. Premiums may also start to increase as the pet ages because the pet becomes an increased risk to the insurance company. The policy holder is more likely to start making claims as old, age-related conditions start to surface.

    Some premium quotes, like many types of insurance, may also reflect your home postcode as vet fees vary across the country. Higher risk breeds that are known to develop certain health conditions, e.g., Shar-peis, with skin disease due to multiple skin folds will undoubtedly also carry a higher premium. Pre-existing conditions tend to be classed as those that have been diagnosed and treated within 6 months before taking out the policy and these will not be covered by any insurance company.

    The new policy age cap selected by the insurance company will also vary with breed and life expectancy. For example, giant breeds like Great Danes will have a shorter life span expectancy compared to smaller breeds. Companies may also increase the policy excess as the pet gets older either by a set amount or by a percentage of the bill. However, there is always an excess per condition claimed no matter what type of policy is taken out.

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    Pet Insurance And Pre

    Pet insurance policies can be very specific, in terms of whatâs covered and whatâs not. A typical policy, for example, may cover the following:

    • Accidental injuries
    • Prescription food and supplements
    • Microchip implantation

    Pre-existing conditions, cosmetic operations, and breeding fees are among the things that arenât covered. Pre-existing conditions are injuries or illnesses that exist before the start of a pet insurance coverage or during the waiting period. Pre-existing conditions can include the following:

    • Broken or fractured bones
    • Orthopedic problems
    • Cancer

    A pet insurance companyâs decision on whether or not to cover a pre-existing ailment is based on whether it is treatable or incurable.

    Still Have Questions About Pre

    You can review a sample policy to see all of the details related to our coverage. Our friendly representatives can also answer any questions or help you choose a plan and customize it to fit your budget and coverage needs. They are available at 1-888-716-1203 during the following hours:

    • Monday to Friday between 8:00 am and 9:00 pm EST
    • Saturday 9:00 am to 5:00 pm EST
    • Sunday 11:00 am to 3:00 pm EST

    If you call after hours, you can leave us a message and we will return your call as soon as possible.

    Ready to get started? See the options and pricing available for your pet with a free quote.

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    Should I Still Enroll If My Pet Has Pre

    Even if your pet has a pre-existing condition or shows symptoms hinting at a pre-existing condition, they are still eligible for coverage of any new injuries and illnesses. Often, older pets enroll with symptoms of a pre-existing condition that would not be covered. However, the older a pet gets, the more likely they are to develop new issues that may fall under coverage. If your pet has had multiple illnesses in their lifetime, it may be harder for any new issues to be eligible for coverage and its recommended you begin saving to help with any future health expenses that an insurance policy cant cover.

    Every pet’s situation is unique, so we recommend calling our pet-loving Customer Care team at 855.591.3100 to chat about how pre-existing conditions could affect your policy.

    Congenital Anomalies Or Developmental Disorders

    Pet Insurance For Cats With Pre Existing Conditions

    Congenital disorders are medical conditions that are present from birth, whether inherited or caused by the environment. Developmental disorders are problems that come up because of faulty development. Coverage is available on select plans providing the condition is not visible or has not developed to the point where signs or symptoms are apparent.

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    How Pet Insurance Companies Handle Pre

    Below is information about how some common pet insurance companies handle pre-existing conditions:

    Petplan Pet Insurance: According to Petplan, âLike all pet insurance providers, Petplan cannot cover a medical condition which first occurred or showed clinical sign or symptoms before the effective date of your policy or during the policy waiting period.â

    ASPCA Pet Insurance: According to ASPCA, âNo pet insurance provider covers pre-existing conditions, though each may define a pre-existing condition differently. We define a pre-existing condition as a health problem that occurs before coverage is effective or during a waiting period. However, we will no longer consider a condition to be pre-existing if your pet has been cured of it and without treatment for it or symptoms of it for 180 days.â

    Nationwide: According to the Nationwide Pet Insurance, previously Veterinary Pet insurance or VPI, website, âA pre-existing condition is basically any illness or injury that your pet had before coverage started. The good news is, not all pre-existing conditions are excluded permanently. If you have medical records from your vet showing that your pets condition has been cured for at least six months, you may be able to get it covered.â

    Can You Provide Examples Of Pre

    These are only meant as examples. Actual eligibility for any condition cannot be determined until a claim is submitted.

    Your dog is constantly licking its paws pre-policy, enrolls, and is later diagnosed with allergies. Are the allergies eligible for coverage?

    No, the allergies are considered pre-existing and are not covered. The incessant licking pre-policy is a clinical symptom that your dog has allergies.

    You enroll your cat who develops a sarcoma mass on their back during the policy waiting period. Is the sarcoma eligible for coverage?

    No, the sarcoma is considered pre-existing and is not covered. That mass, and any future sarcomas are considered pre-existing because it occurred during the waiting period.

    Pre policy, your dog sprained their knee. After you enroll, they developed hip dysplasia. Is the hip dysplasia eligible for coverage?

    Yes, the hip dysplasia is covered. Our claims specialists could find a medical disconnect between the knee injury and the hip dysplasia, so it would not be considered pre-existing.

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    How Petcover Can Help Your Pet

    Petcover specialises in offering quality, straightforward pet insurance with a range of policy options that suit your needs. Whether your pet is big or small, furry or scaly our range of cover options are packed with added benefits. Accidents can happen at any time and the reality of veterinary costs can come a quite a shock. With our range of cover levels for dogs, cats, horses and exotic animals, why not get a quote today.

    Category : Lifetime Pet Insurance Policy

    The Best Pet Insurance of 2018

    As the name implies, Lifetime Pet Insurance Policy is for the whole life of your pet. This insurance policy is the most expensive pet coverage you can find. It offers the most comprehensive protection you want for your pet.

    The basic feature of a Lifetime Pet Insurance Policy is that it provides you with financial coverage up to a maximum amount to pay hefty vet fees. Lifetime pet coverage is reinstated every year.

    Suppose you want your pet to be covered for a wide range of medical conditions, injuries, and illnesses throughout their life. In that case, a lifetime pet insurance policy should be your preference.

    Although this policy provides coverage for all types of illnesses and injuries, it is specially designed to cover the expenses for the treatment of chronic or recurring conditions during your pets lifetime. It is a highly attractive pet insurance option because it provides maximum coverage.

    Different types of Lifetime Pet insurance policy

    Lifetime Pet insurance policy has two major types: Annual Limit Per Condition and Condition Limit.

    1. Annual Limit Per Condition:

    The Annual Limit Per Condition Lifetime Pet Insurance Policy comes with an annual limit of coverage which you can claim for each potential medical condition once a year. The limit will be reset every year.

    However, if the treatment costs $9000, you would have to pay $1000 from your pocket.

    2. Condition Limit Lifetime Pet Insurance Policy:

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