If your pet has a serious health condition, you could be paying a lot for their care. So, before you decide pet insurance isn’t for you, consider the fact that you have options besides what’s traditionally offered. Pet insurance companies do not cover any pre-existing condition, but they will not prevent you if you still want to obtain insurance coverage. The pre-existing condition of your pet, curable or not, determines the pet insurance coverage options.
Pet insurance is a way for the pet owner to pay for medical expenses for their pet. This insurance covers accidents, illness, and routine veterinary care. It is similar to medical insurance and health insurance for humans. It is, however, not a substitute for regular veterinary care.
Curable Pre-Existing Diseases
While pet insurance may seem like an ideal way to reduce your pet’s medical-related expenses, some pet owners wonder if their pet insurance covers pre-existing conditions. These conditions are diseases, illnesses, or injuries your pet may have had before it became eligible for coverage.
For pet insurance that covers pre-existing conditions, the definition may differ slightly from those offered by other insurance plans. For example, most pet insurance companies will cover any diseases or conditions your pet has been diagnosed with, including conditions prior to their enrollment.
Incurable Pre-existing Conditions
One of the most important questions to ask before you decide on a pet insurance policy is, “Does my pet insurance cover pre-existing conditions?” The answer: It depends. While some pet insurance companies cover pre-existing conditions, others, like Embrace Platinum, only cover conditions that become full-blown illnesses within the first year of the policy start date.
The new year brings new resolutions, and one of the most common is “get healthy.” Many of us turn to gym memberships, fresh starts, and diets. But what if you have a pre-existing condition? Can you still count on your health insurer to ensure you’re covered?
Is Coverage for Bilateral Conditions Provided?
Before heading over to a new veterinarian, it’s important to check what services are covered and what isn’t. Pet insurance, like health insurance for humans, comes in many types, and each policy has its own coverage limits, exclusions, and benefits. Just like humans, pets can develop different conditions and illnesses.
If you own a pet, you’ve probably looked into pet insurance at some point. It is intended to help cover veterinary costs in case you or your pet have an accident or get sick. Some policies offer coverage for pre-existing conditions, while others don’t. And how do you know if your pre-existing condition is covered? Just like health insurance, pet insurance contracts typically cover only the specific conditions listed in the contract.
Pre-Existing Conditions Can Have an Impact on A Pet’s Pet Insurance Coverage In The Following Ways
Generally, pre-existing conditions are not covered by pet insurance. If your pet has a pre-existing condition, such as diabetes or cancer, it is generally not eligible for coverage. The one exception is if your pet’s owner has a pre-existing condition and if the pet’s insurer covers the pet owner’s condition.
If you have pets, you’ve probably considered pet insurance. After all, a pet insurance policy is something everyone with pets should have—especially if you live in a part of the country prone to flooding or other weather-related disasters. It can come in handy when you’re in the unfortunate situation of needing to pay for expensive medical treatment for your furry friend. But pet insurance isn’t like health insurance for humans; pet insurance policies don’t cover things like routine checkups and routine vaccinations. While it could cover routine veterinary costs that your pet needs regularly, it may still make sense to look into pet health insurance that covers the more common but expensive emergencies.