Thursday, June 16, 2022

How Soon Can You Claim On Pet Insurance

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Do Know The Difference Between A Stray Cat And A Feral Cat

Should I Get Pet Insurance | Embrace Pet Insurance Review

This is an important question when it comes to cat adoption, as the answer could be key to the potential success or otherwise of your efforts. Basically, a feral cat is a cat who has had minimal contact with humans, nor lived as a domesticated animal. Feral cats are fearful of people and survive on their own outdoors they are essentially wild animals who are not socialised to people and are not likely to ever become a lap cat or enjoy living indoors. However, feral kittens especially those less than 8 weeks old often can be socialised and have been successfully adopted.

A stray cat is a domestic cat who was socialised to people at some point in her life but has since been abandoned or become lost. Over time, a stray cat can become feral as her contact with and dependence on humans diminishes. Under the right circumstances, stray cats can be reintroduced to domestic living, but they will most likely require some time to re-acclimate to an indoor lifestyle and they may be frightened and wary after spending time away from people. With a lot of patience, commitment and effort, a stray cat may rehabilitate into a contented house cat and companion.

What Type Of Illness Or Condition Would Be Considered Pre

A pre-existing condition refers to any illness or injury your dog or cat developed before being enrolled in a pet insurance plan.

For example, if your dog has a hip injury or your cat has chronic allergies, your pet insurance company would not cover your dog or cat for those specific conditions.

They might, however, cover this same dog or cat for everything else.

Most policies have a six month to one year wait time before enrolling for hip dysplasia or cruciate ligament issues, as these can take some time to manifest.

Could A Delay In Telling The Insurance Provider Cause Problems

Possibly. Any delay in informing your insurance provider could delay the processing of your claim and mean you may have to wait longer for a pay-out.

Insurance providers usually set a maximum period between when the event happened and when the completed claim form and relevant evidence have to be submitted. This can vary among providers so check as soon as you need to make a claim. If you dont complete the form within the set period, your claim may not be paid.

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Take The Time To Consult With Your Vet

Its always advisable to talk to your vet before enrolling your pet in a new policy.

First, you want to ensure that your vet is accepted by the new pet insurance provider and they can always help you determine the right coverage for your pet or any potential condition that might occur.

Furthermore, a veterinary visit is usually required in order to enroll an animal, commonly within the previous year or before the waiting period is over .

Though most insurers dont require an exam immediately, youll be asked to provide this sooner rather than later. Its always best to give this info quickly, as being turned down for an illness or condition you thought was covered is the very last thing you want as a pet parent.

If you want to learn more about these companies and a few more, make sure to look at our best pet insurance guide.

Death By Accident Or Illness

Pet insurance help

If your pet dies you can get back the cost of what you paid for it or what it could sell for.

Most pet insurance policies have an age limit – typically of eight to eleven years for a cat and five to nine years for a dog – after which insurers will not pay out, or you’ll have to make a contribution to costs.

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How Do You File A Pet Insurance Claim

Youre likely familiar with the process of submitting a health insurance claim. You or your doctor sends a claim to your insurance company, which then pays expenses that fall under your coverage. You pay the remaining balance not covered by insurance.

There are usually two ways to submit a pet insurance claimby either requesting reimbursement or paying the vet directly.

Request reimbursement. With the reimbursement methodthe most common method among pet insurance companiesyou first pay out-of-pocket for the vet bill and then the insurance company reimburses you for covered expenses. You will:

  • Pay the veterinarian bill right after the visit.
  • Complete a pet insurance claim form.
  • Submit the claim and supporting documentation to the insurer via an app, online portal, email, fax, or mail.
  • Once you submit a claim and its approved, youll get reimbursement via direct deposit or check.

    Pay the vet directly. Some pet insurance companies like Pets Best and Trupanion have the ability to pay the vet directly. With Vet Direct Pay by Pets Best, the insurer pays a vet directly after a claim is approvedas long as your vet agrees to this form of payment. This means that you wont have to pay and wait for reimbursement.

    Trupanion has its own claims processing systemTrupanion Expressthat gives the vet the capability to submit claims via a web-based system.

    Verify the specific process with your own pet insurer.

    Waiting Period By Insurance Provider: A Comparison Chart

    Insurance Company
    14 Days for Knee/Ligament Conditions
    Embrace Pet Insurance6 Months for Orthopedic Conditions
    Figo Pet InsuranceWaiting Periods Vary by State
    Hartville Pet Insurance14 Days for Ligament Conditions
    Healthy Paws Pet Insurance12 Months for Hip Dysplasia in Pets Younger than 6
    Lemonade Pet Insurance6 Months for Cruciate Ligament Events
    Nationwide Pet Insurance12 Months for Cruciate Ligament Events
    PetFirst Pet Insurance12 Months for Cruciate Ligament Events
    Petplan Pet Insurance6 Months for Hip Dysplasia, Cruciate Ligament Conditions, and Patellas
    Pets Best Pet Insurance6 Months for Cruciate Ligament Conditions
    Trupanion Pet Insurance12 Months for Ligament Injuries and Hip Dysplasia. 6 Months for Orthopedic Issues
    Trusted Pals Pet Insurance12 Months for Hip Dysplasia and Ligament Problems
    USAA Pet InsuranceNo Waiting Period6 Months for Orthopedic Conditions

    As you can see, some plans provide accident coverage as soon as the next day, whereas others require you to wait 14 days before insurance coverage kicks in. Most providers that offer a wellness add-on offer coverage immediately.

    Remember, waiting periods are just one aspect of a pet insurance plan to consider. When you compare pet insurance companies, you should also factor in considerations like the average time to process claims, ease of use, and cost per month.

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    How To Find The Right Insurance For Your Pet

    To find the right insurance plan, you need to know your pets medical history and your budget. Then, prior to getting quotes, make a list of what matters most to yousuch as the types of accidents and illnesses you want to have covered and the percentage of costs youre able to pay. Obtain quotes from a few reputable providers, and compare the types of coverage to get an overview of the options in your budget. Previously, we recommended Trupanion, Healthy Paws Pet Insurance, and Figo Pet Insurance to our readers, and we still think those are good insurance providers to consider. However, their prices and coverage varied wildly depending on your location and the specifics of your pets, so we couldnt recommend them for most people.

    Pet insurance plans have so many variables and so much fine print that it can seem impossible to compare one company against another. Each company has slight differences in the three main aspects of its policies: coverage, benefits, and premiums. Read over the policies carefully to ensure they reimburse for the type of coverage youre looking forlike accidents, illnesses, exam fees, medications, and moreand dont be afraid to ask questions. Customer service can make or break your experience when filing a claim.

    Before you consider a policy plan, here are some insurance terms every pet owner should know:

    While youre looking at quotes, here are some things to keep in mind:


    A Should I Get Pet Insurance Decision Tree

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    • If you have a healthy puppy or kitten… I would get pet insurance.
    • If your puppy/kitten has a pre-existing condition… pet insurance may still be worth getting to cover any new issues that may appear later in your pet’s life.
    • If you have a healthy mid-age dog or cat… I would get pet insurance before any health issues arise.
    • If your dog/cat has a pre-existing condition… pet insurance may still be worth it if your pet is on the younger side or at risk of other health issues.
    • If you have a healthy senior dog or cat… I would consider pet insurance. 50% of dogs over the age of 10 develop cancer, so if your pet is a healthy senior, pet insurance could add a layer of protection should they need cancer treatment.
    • If your senior dog/cat has a pre-existing condition… pet insurance is probably not a good fit. Instead, I would stay on top of preventative care and maybe increase routine vet visits, while maximizing a pet health savings account.

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    Accident Only Pet Insurance

    Accident only pet insurance is the cheapest and most basic type of pet insurance. As the name suggests, it doesn’t cover illnesses – only injuries. Accident only policies provide a fixed sum of money for each accidental injury to help pay for your pets treatment, and will often also stop paying for the injury after twelve months.

    Pet Insurance Waiting Periods

    A waiting period is a predetermined timeframe set by the pet insurance provider where no claim is eligible for coverage. Waiting periods often vary from one provider to the next so itâs wise to read the terms and conditions for complete details. You may be tempted to pick a provider based on shorter waiting periods, but itâs best to choose the most comprehensive medical coverage, for the best protection in the long run.

    With Petplan, there are two timeframes to be aware of: a 15-day illness and injury waiting period and a 6-month exclusion for conditions relating to the hips and knees.

    • The waiting period for injuries and illnesses occurs during the first 15 days of the policy beginning on the date of policy inception .
    • The exclusionary period for knees occurs during the first 6 months of the policy, starting on the inception date. This can be waived if your veterinarian deems your petâs knees healthy during an examination that must be performed within the first 30 days. Since your policy requires your pet to be seen by a licensed veterinarian anyway, itâs wise to have the knees examined at that time. The exclusionary period for hips occurs during the first 6 months start on the effective date of the policy. This cannot be waived.

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    Changing Policies And No Claims Periods

    Even if you change policies with the same insurer, theres a chance that theyll impose another no-claim period. Always check with the insurer to make sure your cover continues. Some insurers may be able to offer a waiver so that cover is continuous.

    The last thing you want as a pet owner is to think your beloved pet is covered for an illness or accident, only to discover that your claim is rejectedleaving you to foot all of a potentially expensive bill. When youre checking through policies, make sure you dont forget to look carefully at the no-claim and waiting periods offered by different insurers.

    To help you find a policy thats suitable for you and your special companion, have a look at how we can help you weigh up the pros and cons of different policies today. Compare pet insurance online, or call us on today.

    *iSelects partnered with Choosi Pty Ltd to help you compare pet insurance policies. iSelect earns a commission from Choosi for every policy sold through the website or contact centre. iSelect and Choosi do not compare all providers or policies in the market.

    How Can I Check The Progress Of A Claim Ive Submitted

    United Pet Care  Pet Insurance Alternative  Pet ...

    When weve received your claim we will send you confirmation, if you haven’t received this yet the form might still be with your vet so it is best to check with them. If we have confirmed that weve received your completed claim form then please be assured that our pet experts are reviewing it and will send an update with the outcome as soon as possible. If we need any additional information from you or your vet, well also be in touch.

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    What Is Covered By Pet Insurance

    Unlike health insurance for humans, pet insurance doesnt cover preventative care, such as routine exams, dental work, or vaccinations. Buying pet insurance makes sense only for the things you cant predict, like ear infections, broken bones, and chronic illnesses.

    For wellness care, including annual checkups and booster shots, youre better served by setting aside money each month, rather than going for a more-expansive insurance policy that may cover those things. Some companies do offer wellness benefits, but the higher costs of those plans can offset any savings. And if you miss a checkup, you forfeit the services youve already paid for .

    Insurance plans also exclude preexisting conditions, as well as treatment for animals suffering from abuse or neglect, including for preventable diseases if an owner skipped the vaccine for that disease. So if your dog gets Bordetella , and you didnt keep the Bordetella shot up to date, insurers wont cover the cost of treatment. If you really dig into the fine print, youll find a range of other exclusions, such as the effects of war, radiation from nuclear weapons, biological attacks, mutant flu, and zombie outbreak.

    What Is A Waiting Period

    When you enroll your pet in a new insurance policy, there are more considerations aside from just the type of coverage, pricing, and deductibles.

    Once you have enrolled, there is a waiting period that is generally from 14 days to 30 days depending on the pet insurance company.

    It is during this time that the pet insurance provider makes sure that your pet doesnt have any illness or condition that you didnt disclose.

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    What Affects Your Pet Insurance Premiums

    The average cost of pet insurance depends on your pet, the coverage you buy and where you live. Insurers will also look at:

    • Species: Dogs cost more to insure than cats, and male animals generally come with larger premiums.
    • Breed: Larger pets generally cost more to insure because they tend to have shorter life spans and develop more health issues.
    • Age: Younger pets are cheaper to insure, as they usually have minimal health issues in their early years.
    • Location: Premiums vary according to state and ZIP code, with more densely populated areas carrying higher insurance costs.

    Generally, a low deductible, high reimbursement level and high annual maximum will reduce your out-of-pocket costs per incident but will result in a higher premium each month.

    Most plans also let you purchase “endorsements,” or add-ons, which enhance your core coverage and increase your monthly premium. Common endorsements include exam fees, routine checkups or prescription food.

    Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

    Do Consider Adopting From A Shelter

    Should I Get Pet Insurance? A Must Have For New Dog Owners Or A Waste Of Money

    A reputable animal shelter is an excellent place to adopt from because the animals available for adoption have usually been screened and found to be medically and behaviourally sound. Also, many shelters have an adoption process which entails matching the right owner to the right cat, so you will need to think about what type of cat you want and/or what type of cat is right for you and your family.

    According to RSPCA South Australia, the majority of cats that pass through their shelters are perfectly healthy and sociable and are in most cases successfully and happily rehomed. All considered, if youve decided to adopt a stray, you are more likely to have a successful outcome with a shelter cat than a street cat.

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    Are There Any Pet Insurance Policies With No Waiting Period

    There are no pet insurance plans available without waiting periods. Every pet insurance company has waiting periods before your animal can be covered for care.

    The reason is simple: pet insurance companies want to make certain people buy coverage before their animals get sick.

    Insurance is supposed to provide protection in case something happensnot coverage for problems that have already developed and it doesnt usually cover pre-existing conditions. Insurers count on receiving premium payments from the owners of healthy petssometimes for many yearsto be able to afford the costs of care for sick animals.

    If there was pet insurance with no waiting period, anyone could wait to sign up until after their pet got hurt or sick and the insurer would have to start paying out a lot of money for care right away before collecting premiums on the new policy.

    Insurers dont want to do that and couldnt afford to do that, so they impose a waiting period so pet owners have to buy coverage before an illness or injury if they want to make sure their pet will be provided for.

    Because there are no pet insurance policies that dont have a waiting period, its important to consider buying pet insurance ASAP when you become responsible for the care of an animal so if something does go wrong, your pet is covered in terms of various veterinary care.

    Compare Pet Insurance With Waiting Periods

    15 days

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