Many people buy pet insurance to ensure their furry friends have protection if they get sick. But can you get insurance on dogs with pre-existing health conditions?
The answer to this question varies from company to company, but most companies generally do not cover any illnesses or injuries before purchasing the coverage.
This blog post will enable you to understand more about pet insurance and the pre-existing conditions clause so that you can make the best decision for your furry friend.
What Is Pre-Existing Medical Condition?
A pre-existing condition is any medical issue that showed symptoms or required treatment before the date of purchase. The terms and conditions for each insurance company will vary, but many companies do not cover illnesses until after a waiting period.
Since pet insurance policies are mostly “accident only” policies, some insurance companies do not cover pre-existing conditions.
What Does This Mean?
Even though most insurance companies don’t cover pre-existing conditions, this doesn’t mean that you are stuck paying for treatment or medication out of pocket.
When your pet becomes ill with a treatable illness after purchasing the coverage, the policy will cover it. However, if your pet has a chronic or pre-existing condition, the policy will not cover any treatment or medication for that particular illness.
How to Choose the Right Company
Here are some of the essential factors to consider when shopping for pet insurance:
1. The Type of Pet You Have
Not all policies cover every type of pet, so it’s crucial to choose a specific policy for your furry friend. For example, most policies do not cover horses, but some companies offer coverage for them.
2. The Waiting Period
A waiting period is the amount of time that must pass after purchasing the policy before it becomes effective. Most policies have a waiting period for illnesses, so consider this when shopping for coverage.
It’s important to remember that pet insurance is not a one-size-fits-all solution. The best way to decide if pet insurance is right for you and your furry friend is to ask the experts.
3. The Coverage Amount
This is the maximum amount the policy will payout for each illness or injury. It’s essential to ensure that the coverage amount is enough to cover your pet’s potential health costs.
When choosing a pet insurance policy, read the terms and conditions carefully to know what type of coverage you are getting.
4. The Age of Your Pet
Like people, pets get older, and their health needs change over time. Most policies have an age cutoff, so check the terms and conditions before purchasing a policy.
Policies also vary in premiums (the amount you pay for coverage) and deductibles (the amount you must pay before the insurance policy kicks in). It’s essential to understand how much you will be spending on premiums and what level of coverage you need.
When choosing a pet insurance policy, consider the type of coverage you need and how much your monthly premiums will cost. Understanding what each company covers is vital when making this choice. The best way to make an informed decision about which policy works for you and your furry friend is to read the terms and conditions carefully.
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