Thursday, June 16, 2022

Does Pet Insurance Cover Pre Existing Conditions

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

Do you have more questions about pet insurance coverage? Leave us a comment below, and well answer it as soon as we can. If youre ready to purchase pet insurance, check out our pet insurance reviews to discover which companies made our top picks and why.

For which accidents or illnesses would you like to have coverage?

Have You Visited Your Vet In The Last 12 Months

Your policy terms and conditions require you to have a documented visit to the vet in the 12 months before you purchased your policy. Your pet must be examined and documented by a veterinarian for coverage to start. You should get this done as soon as possible so you don’t find yourself without coverage when you need it most.

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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Can I Get Reimbursed For Past Wellness Services

Past wellness treatments are similar to pre-existing conditions in that they are not covered. For instance, if your pet had an annual exam along with vaccines and a dental cleaning a few weeks before you enrolled, these services would not be covered.

However, there is no waiting period for our preventive care coverage. It starts as soon as your plan takes effect. That means you can enroll in this coverage on Monday, take your pet in for their annual check-up on Tuesday, and get reimbursed for covered services.

Its easy to enroll in preventive care coverage. Simply get a free quote and choose your base plan. Then you will be able to add it to your plan at a low additional cost. We have two preventive care coverage options, which have different lists of covered services and payouts. There is no deductible or reimbursement percentage with this coverage.

Does Pet Insurance Cover Medicine

Why Doesnt Pet Insurance Cover Pre

Pet insurance has many restrictions on medication coverage. For example, vet-prescribed drugs are generally covered;through pet insurance; however, you may have to purchase a higher-tier pet insurance policy or an add-on for prescription coverage. Additionally, prescription drugs arent covered for pre-existing conditions.

Two commonly prescribed drugs for dogs are Apoquel and anxiety medication. Apoquel can be covered through pet insurance as long as it isnt prescribed for pre-existing conditions. As for anxiety medication, this may or may not be covered through pet insurance. It depends if the company covers behavioral conditions, which is how anxiety is generally classified.

Did you know you could purchase RX drugs online for your pet?Know how to keep your pet safe when you buy meds online.

As for preventative medication , most pet insurance policies dont cover this unless you purchase a wellness plan;that includes it.

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Things Your Pet Insurance Should Cover

  • Dental cover

    Dental issues are something that may slip your mind until your pet gets bad tooth decay. This is why you need cover, and some providers will cover the cost of dental treatment.

  • Cover for missing pets

    Its not uncommon for pets to go missing. Heres the good news: Some providers will pay for marketing. For example, they will cover the costs of leaflets being distributed, etc.

  • Death caused by accident or illness

    If unfortunately, your pet dies, you may be able to claim what your pet is valued at. This is not a nice thought, but its a piece of mind knowing youre covered. However, not all providers pay-out. Therefore, you need to ask your potential provider.

  • Third-party costs

    Picture this one: your dog knocks and smashes an expensive house item at somebodys house. How do you pay for broken goods? Well, some pet insurance providers will cover the costs of third-party damage.These are some of the key factors when choosing a provider.

Buying Pet Insurance For Pets With Pre

Just because your pet has a pre-existing condition doesnt mean you dont qualify for pet insurance, nor does it mean you should forgo obtaining insurance. You should still enroll in pet insurance even though your pet has a pre-existing condition. If your dog or cat develops any other illness, or gets into an accident, not being covered could lead to significant out-of-pocket costs to get your pet the care they need.

PRO TIP: Pawlicy Advisor intelligently scans the fine print of over 300+ insurance comparison options to find the ideal pet insurance plan for you. Its completely free, completely customized toward you and your pet, and amazingly powerful. I highly recommend you use Pawlicy Advisors insurance recommendation engine.

Pawlicy Advisor partners with leading pet insurance providers to give an objective, data-driven recommendation to cover accidents, illnesses, hereditary problems, dental diseases, and even prescribed medications. Youll find plans with low deductibles, and you can use any veterinarian you like.

And as an added bonus, enrolling multiple pets through Pawlicy Advisor grants me additional savings:

Most importantly, Pawlicy Advisor will find the ideal quote/plan even if your pet has a pre-existing condition. Its one of the questions youll answer in the analysis set up.

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Can You Get Pet Insurance With A Pre

Yes, you can still get pet insurance if your pet has a pre-existing condition. Regardless of your petâs age or medical history, it is never too late to enroll in pet insurance.** While pre-existing conditions will not be covered, future accidents and illnesses will. Signing up for coverage as early as possible will keep them protected. Use our condition checker to see what medical conditions and health issues are often experienced by your pet’s breed before they become a pre-existing condition.

See our terms and conditions for more information about getting pet insurance with pre-existing conditions and other information about our policy.

Can You Insure A Pet With Medical Conditions

Pet Insurance For Cats With Pre Existing Conditions

You can, but most standard insurers wont cover any pre-existing medical conditions. You’ll need to find a specialist insurer if you want cover for any medical conditions your pet has.

You can still get pet insurance with run-of-the-mill pet insurers. But those pre-existing conditions will be excluded. For example, if your pet already has arthritis, your insurer wouldnt pay out for any medical care relating to the arthritis, but it would help out if your pet needed treatment for the flu.

If your pet has a pre-existing condition, and you want cover for it, youll need to take out a specific type of policy thatll cover the condition. These are hard to come by, because not many insurers offer cover. There are usually restrictions, and not every condition is covered, even with the insurers that do.

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Are There Alternatives To Pet Insurance

An alternative to pet insurance could be a credit card geared towards medical expenses. CareCredit, for example, offers financing options for 6, 12, 18, or 24 months, with zero interest on payments less than $200, provided you make the minimum monthly payments and clear the balance at the end of the promotional period. Otherwise, the standard APR is 26.99%. This is an excellent option for pets with pre-existing conditions that require costly treatment.

A similar alternative is Pet Assure, a veterinary discount plan that gives you a 25% discount on all medical care provided by your vet, including wellness visits, dental care, spaying/neutering, and emergency care.

Think of it as a membership to a big box store the more you use the membership, the more it pays for itself. This can be a good option for owners of multiple pets who cant necessarily afford the premiums on four cats and two dogs, for example.

Pet Assure reviews are positive across the board when used for pre-existing conditions that insurance wont cover. The only issue is that not all vets are members of the program, but that can easily be solved by checking if theres a participating office near you before enrolling.

United PetCare works in much the same way as Pet Assure since it is a membership savings program. Members receive rebates for regular visits, vaccinations, procedures, surgeries, and medications.

Pet Assure Can Be Used For Any In

  • Wellness visits
    • Horses
    • And more

    Signing up for Pet Assure is easy, and no medical conditions or services are ever excluded. It’s that simple! No claims are denied, and you don’t have to worry about filling out any claim forms or paperwork. There are also no deductibles to hit; you start receiving discounts immediately. Pet Assure is hassle-free, and you don’t have to double-check about which veterinary services are covered and which aren’t. Plus, since all services are discounted, there’s no worrying that filing a claim will eventually get your pet dropped from the plan, or that a claim will make your rates go up.

    With thousands of veterinarians participating in Pet Assure, this veterinary discount plan is a practical and affordable option for pet owners nationwide. It’s an easy and simple way to save money on your vet bills, and you can even use Pet Assure in conjunction with pet insurance for improved coverage. With Pet Assure, there are no surprises, no long reimbursement processes, and even if your pet needs lots of veterinary treatment, you don’t have to worry about him being dropped from the plan.

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    Pre Existing Conditions & Pet Insurance

    All pet insurance companies will not cover your cat or dog for any pre-existing condition that your pet has developed when you sign up.

    In fact, there is a waiting period before you are accepted into a pet insurance plan that is specifically for that reason; to make sure your pet does not have any condition that you havent yet disclosed.

    How each pet insurance company defines a pre-existing condition varies from one to another.

    One policy might define any illnesses that occurred 18 months before enrollment as pre-existing.

    Another provider might define pre-existing conditions as injuries, illnesses, and irregularities noted by the vet before the waiting period expires.

    • Lipomas or skin lumps
    • Any other disease that needs consistent treatment

    Any of these diseases that affect your dog or cat could be considered pre-existing. While some of these conditions could exclude your pet from getting approved for pet insurance, there are several companies that offer coverage with pre-existing conditions.

    Should I Still Enroll If My Pet Has Pre

    Does Pet Insurance Cover 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.

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    Does Pet Insurance Cover Pre

    No pet insurance covers pre-existing conditions. The purpose of any pet insurance plan is to protect you from things that might happen in the future. If you were to sign up for car insurance after an accident, expenses from the collision would not be covered. Pet insurance acts in the same way. Paying an affordable monthly premium ensures that your pet insurance provider will be able to cover your vet bills in the event of a new injury or illness. Find out more information about what pet insurance covers.

    What Makes The Best Pet Insurance

    The best pet insurance is the one that will help you financially when your pet needs medical care. Rather than worry about costs, you can focus on what’s important: your pet’s health.

    Different pets require different types and levels of care, so the best plan will depend on your pet. You will want to consider the type and breed of your pet and how often your pet typically sees the vet. If your dog or cat is older, it may require more frequent vet visits. In this case, a more comprehensive plan that does not have an upper age limit on new enrollments may be the best plan. However, if you have a younger animal, you may want to look at a plan that does not have lifetime caps on reimbursements.

    You should also consider the ability to customize your plan when choosing the best pet insurance. While you may only be interested in accident protection this year, you may need to treat your pet for a chronic illness in the future. Rather than shop for an entirely new plan, consider if the plan you choose will let you customize your pet’s care in the future.

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    Does Pet Insurance Cover Training

    Dog training isnt covered by pet insurance.

    Looking for dog training guidance? Our experts to the rescue in our dog training guide, which helps you decide if you should get a trainer, considers various training tools and equipment, and covers house and potty training, specialty training , and more.

    What Other Factors Affect Premiums

    What is a Pre-Existing Condition & Underwriting Up-Front?

    The primary factors affecting premiums include the age of your pet, the species , the breed, the region you live, the deductible amounts, co-insurance, and in some cases, annual payout limits. Breed is a factor in determining premiums because some breeds are more prone to certain medical conditions and diseases. Insurance companies are aware of these breed-related conditions and premiums are set accordingly. Sometimes high-risk breeds are grouped together, and premiums are established for a risk group.; Some companies simply will not insure certain breeds due to the high economic risk they pose.

    “Generally, it is less expensive to insure your pet when it is young and healthy, rather than waiting until it is older and more prone to illness.”

    Generally, it is less expensive to insure your pet when it is young and healthy, rather than waiting until it is older and more prone to illness. Also, by waiting, you run the risk of conditions developing which will be considered pre-existing conditions, and therefore excluded from coverage.

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    What Types Of Conditions May Be Pre

    Any condition can be a Pre-existing Condition, including those that we have specific definitions for.; In addition, Pre-existing Conditions also include conditions that are:

    • bilateral, for example, there could be an issue with your pets left knee and the same issue may be considered as a Pre-existing Condition for the right knee as well, that is, both sides. The reason for the bilateral link is because we know that when a condition affects one side of the body, it is highly likely the other side will also be affected; and
    • related, secondary or a result of the initial condition, for example, if your pet has diabetes as a Pre-existing Condition, then cataracts would be considered a Pre-existing Condition as well. The reason we do this is that we know certain conditions have a high likelihood of triggering secondary conditions.

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    Is Pet Insurance Important

    Yes, pet insurance is very important. From day one of owning your pet, you should have a policy taken out! People make mistakes. For example, buying a new kitten and thinking; Ill get the policy in a few weeks. However, this is when a lot of people end up paying out a fortune. Pets can fall ill, or have an injury at any age.

    Pet insurance gives you peace of mind that your pet is covered. And, you wont have any unexpected vet bills.

    How To Find The Best Insurance Provider

    Do Pet Insurance Companies Cover Pre

    When looking for a pet insurance service provider, make sure to settle for the one that meets most of your needs. Let your search for a pet insurance cover be guided by the health condition and age of your pet. Compile a list of your most preferred companies and then choose the best from the list. Here are very important factors to consider:

  • Does your pet suffer from a hereditary condition? Depending on your pets breed and its medical history, you can decide whether a pet insurance provider offering a cover that insures against hereditary conditions is a priority for you.
  • Does your pet have a pre-existing condition? If your pet has a prevailing illness or condition, then an insurance service provider with a number of exceptions is the ideal one for you. Share this information with your most preferred insurance service provider, being careful to mention whether the pets condition is recurrent or on going.
  • Choose the insurance service provider with the best deal for your pet. After you eliminate all the insurance providers that do not meet your pets needs, compare the remaining insurance covers and prioritize them according to the package on offer and the cost implications.
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