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. A good insurer will consider the health of your pet before deciding on a policy.
A pre-existing problem is an injury or illness that occurred prior the purchase of your insurance policy. Your pet may not even show signs of a problem until after you have started coverage. In some cases, your veterinarian may be able to tell you if your pet is pre-approved for coverage. Your coverage may be cancelled or reduced if you wait for symptoms to manifest.
A pet insurance company reviews your pet’s medical history for a few weeks before making a recommendation. Many companies will ask you to answer a lot of questions about your pet, including any previous or current ailments. Some companies will ask you to complete a thorough medical exam. This can be helpful in determining the appropriate course of treatment. It may seem like a hassle but it could save you thousands of money in the long-term.
A fully covered policy that is medically underwritten will cover all of the above. This policy is great for pets with chronic conditions, especially elderly pets. You can also get lifetime coverage. These policies will require you to renew your policy each year.
While it may be more costly than standard insurance, a pet-centric plan can offer significant savings. 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. It also allows you to choose your own veterinarian, which can be a relief if you don't like your current one.
You can also sign up your pet for a yearly health plan. These plans are often more affordable than monthly premiums. A wellness plan includes routine checkups and vaccinations, which can help you cut down on the cost of taking your pet to the vet.
Many options are available at the top pet insurance companies, so it's easy to find the one that fits your needs. It's a smart thing to research as many details as possible about a company to ensure you have a clear understanding of what your pet's future holds. Getting a pre-existing condition covered isn't always easy, but it's well worth the effort. If you take good care of your pet, you will reap the benefits in years to come.
The veterinary community can be a great source of information about any subject. This includes how pet insurance deals with pre-existing conditions. Veterinary charities can also be of assistance.