Pet insurance is a great way to pay for vet bills. Pre-existing conditions may mean that you will not be able receive coverage. Before deciding on a policy, a good insurer will take into account the health of your pet.
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. In some cases, your veterinarian may be able to tell you if your pet is pre-approved for coverage. If you wait for the symptoms to develop, your coverage could be canceled or limited.
A pet insurance company looks at your pet's medical history for a few months before making a decision. 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 help determine the right course of treatment. Although it is a hassle, this can help you save thousands of dollars over the long-term.
Fully medically underwritten policies will consider all of the above. This policy is ideal if your pet has chronic or elderly conditions. There are also life insurance policies that offer great coverage. Many of these policies require annual renewals and you'll need to reapply each calendar year.
A few companies offer pet-centric medical insurance. Although it is more expensive than the standard plan, this can help you save a lot of money. For instance, ManyPets offers a complete suite of medical services, including treatment of pre-existing conditions. The company also offers an online portal through which you can submit claims, track the progress of your pet, and get quotes. You can also choose your own vet, which is a great relief if your current one is not working for you.
Another option is to sign up for a wellness plan that covers your cat or dog each year. This plan can be much more cost-effective than paying a monthly premium. You can save money on vet visits if your pet is a regular client of a wellness plan.
The best pet insurance companies have multiple options so you are sure to find one that suits 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's not always easy to get coverage for a pre-existing condition, but it is worth the effort. 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. Veterinary charities can also be of assistance.