Pet insurance providers typically do not cover pre-existing medical conditions.

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Pet insurance is a unique form of protection for both owners and their beloved pets. In return for the monthly supplier fee (cheaper if you pay annually), owners can rest easy knowing that their cat or dog is under medical care in the event of an unexpected illness or emergency. And if a worst-case scenario occurs, they will receive financial support to get through it.

While pet insurance benefits are significant, it is important for owners to understand that this form of insurance does not work as much other types. Perhaps the most distinct way animal insurance differs from human health insurance is in the way that pre-existing medical conditions are treated. Pre-existing conditions are generally not covered by most pet insurance plans.

This does not mean that pet insurance is (is) of no value. But owners need to understand the intricacies of this form of coverage in order to get the best protection for their pets.

If you’re in the pet insurance market – or you want to add more animals to the range you already have – then contact a pet insurance expert to help you get started with your free quote.

Animal insurance and pre-existing conditions

If you have a pet with pre-existing medical conditions, you can generally expect the insurer to not cover these specific issues. But what exactly is an earlier state?

“The pre-existing condition is everything that happens before registration or during the waiting period” Download via Dodo explain. “Like other suppliers, we do not apply pre-existing terms.”

Pet site insurance also does not cover these types of medical problems.

“A pre-existing condition is any injury or disease that occurs or shows symptoms prior to insurance or while waiting,” they explain in their website. “A condition is considered pre-existing whether or not it has been officially diagnosed or treated; it only matters when it occurred or when the symptoms first appeared ”.

But, Spot notes, owners of pets in this category shouldn’t despair.

“However, with the plans provided by Spot, that doesn’t mean the condition can’t be covered in the future if the condition is treatable,” they explain. “An injury or disease that is treatable, healed and free from treatment and symptoms for 180 days will no longer be considered pre-existing, except for conditions affecting the knee joint and ligaments. dates or within the pending period, any future ones will not be covered.

If you want to insure your dog or cat but are unsure whether their current conditions are covered by the protection zone, consider talking to a pet insurance expert. They can answer any questions you may have and help you create a plan that will work for you and your furry friend.

How are pre-existing conditions determined?

While every pet insurer is different, there are several reliable ways to determine your pet’s pre-existing conditions.

“Pre-existing condition is determined by your pet’s medical records,” Lemoniada Pet Insurance explain. “So any signs or diagnoses of a disease that show up before the policy pending periods have expired will be considered an early condition.”

This is one of the main reasons pet owners should act quickly with a plan before discomfort occurs and insurance becomes more expensive (even assuming it is provided for under certain conditions).

“Your pet may not show signs of these conditions at birth or in the first few years of life,” notes Lemonade’s pet insurance. “But if you wait until symptoms develop to get insurance, the condition likely won’t be covered by your policy, which is quite a game changer for pet owners struggling with chronic disease vet bills.”

The main thing!

Are many reasons to buy pet insurance. But perhaps the best reason to do so sooner is to avoid coverage issues. If you register with a supplier now that your pet is still relatively young and healthy, you can get more comprehensive protection for a lower cost.

Do you have more questions about pet insurance and pre-existing conditions? Talk to your provider now who can help you create a customized protection plan.

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