How To Get Pet Insurance For Pre
Pre-existing conditions won’t prevent your pet from getting health insurance altogether. But any pre-existing conditions may not be covered by the policy or may be subject to coverage limitations.
If you have a pet with a pre-existing condition and you want to get pet insurance, getting a full medical exam is a good first step. This allows a veterinarian to identify any potential health issues, pre-existing or otherwise, that could complicate your ability to qualify for pet insurance. You can also talk to your vet about which pre-existing conditions may be curable versus incurable.
The next step is comparing pet insurance options. When shopping for pet insurance, it’s helpful to consider:
- What is and is not covered, including pre-existing conditions
- How the insurer categories curable vs. non-curable pre-existing conditions
- Annual coverage limits
- Annual deductible amounts
- How much is reimbursed to you for pet health care
It’s also important to think about whether insuring a pet with pre-existing conditions makes sense. On one hand, you could still get coverage for other health care expenses, including routine preventive care or accidental injuries. But any savings and reimbursement you might receive for those costs may be overshadowed by out-of-pocket costs you have to pay for non-covered health conditions. So consider the costs carefully to decide if pet insurance is worth it.
Can I Get Pet Insurance If My Dog Is Already Sick
Can I get pet insurance if my dog or cat is already sick? Yes! Even if your dog or cat has a pre-existing condition, that wont exclude you from obtaining pet insurance. The costs of treating that particular issue wont be covered by your new plan, but you can expect coverage for future illnesses and injuries.
How To Find Pet Insurance With Pre
Very few insurers are prepared to offer cover for pre-existing conditions. If possible, get insurance for your pet when the animals young and healthy. That way if any health problems occur later in life, they’ll be covered.
The drawback here is if a condition develops thats chronic, and you want to keep being covered, youll have to stay with the same insurer, or find cover for pre-existing conditions.
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Petplans Approach To Pre
With every new application, we ask you about any pre-existing conditions your dog or cat has had and then decide if we can provide cover for these. Our intention is always to make clear to customers at the start of their policy what we will and wont cover so there are no surprises in the event of a claim. Not all insurers do this. With some insurance policies you only find out what isnt covered when you claim.
With new conditions your pet develops you would be covered in line with the usual policy Terms and Conditions so insuring your pet with Petplan can still help you cover the cost of other veterinary bills that arise.
When you tell us about any pre-existing conditions your pet has, there are three possible outcomes.
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.
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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:
Should I Cover A Pet With A Pre
Pets with a pre-existing condition are still eligible for pet insurance and that condition should not stop you from considering coverage. While you may not be able to get reimbursed for treatments related to that particular condition, you can receive payouts for future injuries or illnesses. Complete CoverageSM also covers congenital and hereditary conditions, alternative therapies, and behavioral conditions. In addition, the pre-existing condition may be covered in the future depending on your plan.
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Pet Insurance For Older Cats And Dogs With Pre
Older pets are more likely to have a medical history and need pre-existing cover, but you may face restrictions on some plans as a function of their age. For example, of the plans mentioned above for pre-existing conditions, Bought By Many, Lifetime Pet Cover and Scratch & Patch have no age restrictions and should offer cover regardless of your pet’s age. VetsMediCover will consider pets up to age 8 for new policiesonce your pet is covered, however, you should be able to keep renewing past the age of 8.
|Pre-Existing Condition Pet Insurance for Older Pets||Upper Age Limit|
|8 years old for new policies|
Does Pet Insurance Generally Cover Pre
The vast majority of UK pet insurance companies do not cover pre-existing medical conditions, but there are exceptions. If your pet has a pre-existing condition, most companies will either refuse to insure your pet or offer cover that excludes treatment related to the condition. As a result, customers may think they’re trapped with the same insurer, unable to change even if faced with rising, higher-than-expected premiums.
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What Conditions Can Be Covered
While we might not be able to cover every condition, we dont operate a flat yes or no either like other providers. Our comprehensive cover is based upon your answers to medical questions we ask. By telling us details of your pets illness and treatment to date we can tell you whether we can cover them. We have recently offered pre-existing cover for:
* The Vet fee amount includes
- Up to £45 towards consultation fees for each separate visit to the Vet as a result of the condition
- Up to £110 towards additional out of hours fees for each separate out of hours visit needed as a result of the condition
- Up to £70 towards histology fees including any handling and interpretation fees
- Up to £70 towards cytology fees including any handling and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, acupuncture, chiropractic, osteopathy fees or laser treatment fees
Are There Any Conditions That Wont Be Covered
Some conditions are less likely to be covered than others.
Chronic conditions that are incurable and need ongoing treatment may be excluded, for example. This can include things like diabetes and cancer.
But what isnt covered can vary from provider to provider.
The best way to check if your pets pre-existing condition can be covered is to get a quote. Youll be able to see what youll be covered for, how much itll cost and how much youll be able to claim towards treatment costs.
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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.
Consider Whether You Need Pet Health Insurance
- A pet health insurance policy reimburses the pet owner for specified veterinary care. As with your health insurance policy, these policies typically itemize covered treatments, deductibles and lifetime or per illness maximums. The cost of the policy may vary based on the amount and type of coverage as well as the breed or species. Estimate the health costs for your animals expected life and take into consideration how much you could afford for emergency treatment or a long illness.
- A pet life insurance policy covers end-of-life costs for your animal. This can include burial or cremation expenses and even bereavement counseling for you and your family.
- Pet injury coverage may be part of your auto insurance policy. It covers the treatment of a pet injured in a car accident up to a set limit. Check with your insurance agent or company to determine if your auto policy includes coverage for a pet traveling in your car.
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What Are Curable Pre
Each insurance provider that offers to restore coverage for pre-existing conditions does so on a case-by-case basis. That means that all situations are different. However, generally a pre-existing condition is considered cured if your pet is symptom-free for at least a year. Diseases like upper respiratory, bladder, urinary tract, and ear infections are likely to be reinstated. Many of these companies also restore coverage for symptoms without a formal diagnosis like vomiting and diarrhea.
Pay Close Attention To Bilateral Exclusions
A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.
Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side wont be covered later.
If your pet experiences a bilateral condition after coverage starts, itll be covered just fine.
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Congenital Anomalies Or Developmental Disorders
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.
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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Should I Get Pet Insurance If My Pet Has Pre
Oftentimes, pet insurance can still be worth it even if your pet has a pre-existing condition. This is a smart financial decision for many pet owners because your animal could develop other covered problems that are costly to treat.
For example, if you have a dog with a heart murmur, cardiac conditions wont be covered but if your dog develops a joint injury or pancreatitis, care for those particular ailments could be.
Youll want to make sure youre getting the most comprehensive coverage you can, especially if you have a pet with a pre-existing condition that causes you to run through your budget for vet bills. You should compare policy terms and quotes carefully to find the coverage you want at a price that meets your needs.
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Curable And Incurable Pre
Some pre-existing conditions may be resolved, either on their own or with the care of a veterinarian. A fractured bone, for instance, can eventually heal without causing any long-term health issues. The same may be true for things like ear infections or insect bites.
In the case of a curable pre-existing condition, a pet insurer may choose to extend coverage after a set waiting period. For example, your pet may need to be symptom-free for six to 12 months for the insurance company to consider them cured. During this waiting period, any claims made related to the pre-existing condition would not be covered.
In the case of incurable pre-existing conditions, insurers may choose to limit the coverage offered to pet owners or exclude those conditions entirely. Examples of incurable conditions can include cancer, diabetes, hyper- or hypothyroidism, allergies and other lasting health conditions.
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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.
Pet Insurance Alternatives That Cover Pre
Some pet owners might want to stay away from typical pet insurance coverage and opt for alternative plans. Pets with a long medical history might benefit from vet discounts or wellness plans. These offer more flexibility when it comes to finding coverage while still offering to cover expenses from vet visits.
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How Does The Insurance Company Know If My Pet Has A Pre
Similar to how life insurance companies ask you for a physical medical exam before selling you a policy, the insurer will ask to review your pets medical file before covering your pet. Often, theyll ask for your veterinarians contact information when you first sign up for a policy.
The company will contact your vet, who then provides a copy of your pets file. Using this information, insurers assess their risk and determine if your pet suffers from any pre-existing conditions.
What happens if you dont have a vet or it’s been a while? In these cases, you may have to find one and schedule a visit. Many insurance companies wont cover a pet that hasnt seen a veterinarian within the last 12 months. They do this to make sure they have the most recent information on your pets health.
When Is A Pet Considered Healthy
A condition is no longer considered a pre-existing condition by these companies once they’ve been “healthy” for a certain period of time. “Healthy” has a slightly different definition by insurer but essentially means your dog or cat has been symptom, medication, advice and treatment free from a condition for a minimum time, with no long-term effects or weaknesses.
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