Pet insurance can help you pay for your vet bills. If your pet has a condition that is pre-existing, you might not be able get coverage. Before offering a policy to you, a good insurance company will examine your pet's health.
A pre-existing condition refers to an injury or illness that occurred before your policy was purchased. You may not notice any signs that your pet has a problem until you have established coverage. Your veterinarian may be able tell you if your pet has been pre-approved for coverage. You may lose your coverage if you wait to see a doctor if the symptoms worsen.
A pet insurance company looks at your pet's medical history for a few months before making a decision. A lot of companies require that you answer many questions. This includes those related to your pet’s past and current health. Some require a complete medical examination from your veterinarian. This can help to determine the most appropriate treatment. This can save you thousands in the long term, even though it can be frustrating.
All of these factors can be taken into account if your policy is fully medically underwritten. This policy is excellent if you have an elderly pet or a chronic condition. There are also lifetime policies that can provide a good deal of coverage. These policies will require you to renew your policy each year.
Some companies will offer pet-centric versions of medical insurance. While this may come at a higher price than a standard plan but it can save you significant money. ManyPets, for example, offers complete medical services that include treatment for pre-existing conditions. The company even has an online portal where you can submit claims, track your pet's progress, and get quotes. It allows you to select your own veterinarian which is great if you don’t enjoy your current one.
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. If your pet needs to go to the vet, you can shave a chunk of cash from your budget, since a wellness plan covers routine checkups and vaccinations.
There are many options available from the best pet insurance companies so you can find the one that suits you. It's a good idea to find out as much about a company's policy as possible, so you'll know what to expect when it comes to your pet's future. Although it can be difficult to get pre-existing conditions covered, it is well worth the effort. You'll reap the rewards of taking care of your pet and ensuring that they live happy, healthy lives for many years.
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.