Pet insurance can help you pay for your 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 condition refers to an injury or illness that occurred before your policy was purchased. Your pet may not show any signs until you have begun coverage. Sometimes your veterinarian can tell you whether your pet is approved for coverage. However, if you wait until the symptoms develop, your coverage may be rescinded or may have to be limited.
Before making a final decision on your pet's insurance, an insurance company will look at their medical history for a few more months. Most companies require you to complete a variety of questions regarding your pet's medical history, including current and past ailments. Some pets will need a full medical exam. This can be helpful in determining the appropriate course of treatment. This can save you thousands in the long term, even though it can be frustrating.
A fully medically underwritten policy will take into consideration all of the above. This type of policy is a good idea, especially if you have an aging pet with chronic conditions. Lifetime policies can offer a lot of coverage. Many policies require an annual renewal and you will have to reapply every year.
A pet-centric model of medical insurance is offered by some companies. It can be a bit more expensive that a standard plan but can result in substantial savings. ManyPets provides a full range of medical services including pre-existing conditions treatment. It even offers an online portal, where you can submit claims and track your pet’s progress. You can also get quotes. You can also choose your own vet, which is a great relief if your current one is not working for you.
You can also sign up your pet for a yearly health plan. These plans are often more affordable than monthly premiums. You can save money on vet visits if your pet is a regular client of a wellness plan.
Many options are available at the top pet insurance companies, so it's easy to find the one that fits your needs. You should learn as much as possible about the company's policy so you will know what to expect regarding your pet's financial future. It can be hard to get insurance for pre-existing conditions, but it is possible. If you take good care of your pet, you will reap the benefits in years to come.
The veterinary community is an excellent source of information on all subjects, including pet insurance and pre-existing condition knowledge. The veterinary charity can also help.