Pet insurance can be a great way of paying for vet bills. However, coverage may not be available if your pet is suffering from a pre-existing medical condition. Before deciding on a policy, a good insurer will take into account the health of your pet.
Pre-existing conditions are any illness or injury that occurred prior to the purchase of your insurance policy. After you start coverage, your pet might not show any symptoms. In some cases, your veterinarian may be able to tell you if your pet is pre-approved for coverage. You may lose your coverage if you wait to see a doctor if the symptoms worsen.
Before making a final decision on your pet's insurance, an insurance company will look at their medical history for a few more months. Many companies will ask you to answer a lot of questions about your pet, including any previous or current ailments. Some require a complete medical examination from your veterinarian. This can help determine the right course of treatment. It can be tedious, but it can save you thousands of bucks in the end.
All of these factors can be taken into account if your policy is fully medically underwritten. This policy is good for elderly pets or those with chronic conditions. There are also life insurance policies that offer great coverage. Many policies require an annual renewal and you will have to reapply every year.
A few companies offer pet-centric medical insurance. Although it is more expensive than the standard plan, this can help you save a lot of money. ManyPets is an example of a company that offers comprehensive medical services. This includes treatment for pre-existing diseases. You can even submit claims online, keep track of your pet's progress and receive quotes. The portal allows you to pick your own veterinarian. This can be helpful if you don’t like the one you have.
Another option is to sign your dog or cat up for a yearly wellness plan, which can be more cost-effective than a monthly premium. A wellness plan includes routine checkups and vaccinations, which can help you cut down on the cost of taking your pet to the vet.
The best pet insurance companies have multiple options so you are sure to find one that suits your needs. It's a good idea learn as much information as possible about a company's policies so that you are prepared for what lies ahead. Although it may not be easy to get pre-existing medical conditions covered, it is definitely worth the effort. Make sure you're taking good care of your pet, and you'll be rewarded with a happy, healthy pet for years to come.
The veterinary community is a wonderful source of information on any given subject, including how do pet insurance know about pre-existing conditions. Other resources include veterinary charities.