Pet insurance can be a great way of paying for vet bills. If your pet has a condition that is pre-existing, you might not be able get coverage. 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. 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.
Before making a decision, a pet insurance company will examine your pet's medical history for several months. Many companies will ask you to answer a lot of questions about your pet, including any previous or current ailments. Some pets will need a full medical exam. This can help determine the right course of treatment. It may seem like a hassle but it could save you thousands of money in the long-term.
A fully medically insured policy will take all the above into consideration. This policy is great for pets with chronic conditions, especially elderly pets. There are also lifetime policies that can provide a good deal of 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. ManyPets is an example of a company that offers comprehensive medical services. This includes treatment for pre-existing diseases. There is even an online portal that allows you to submit claims, track your pet’s progress, and obtain quotes. It allows you to select your own veterinarian which is great if you don’t enjoy your current one.
A yearly wellness program is an alternative option. It can be less expensive than a monthly fee. A wellness plan includes routine checkups and vaccinations, which can help you cut down on the cost of taking your pet to the vet.
The best pet insurance companies offer multiple options, so you're sure to find one that works for you. 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. Although it can be difficult to get pre-existing conditions covered, it is well worth the effort. Take good care of your pet to ensure a happy and healthy pet for years.
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.