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What are your pet insurance options with pre-existing conditions?


Even if your pet has a pre-existing condition, pet insurance can still help you save money.

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If you’re a pet owner, one of the things you can do for your wallet and your furry friend is to Sign up for a pet insurance plan.

But insurance can be more complicated if your pet already has a medical condition they’re dealing with — whether it’s an illness, injury or other symptoms. Unlike human health insurance, which protects pre-existing conditions from higher costs or denial of coverage, Predefined conditions Often pets are not covered under insurance.

When it comes to your pet, a pre-existing condition is common will not qualify For coverage under your insurance policy. However, there are still options that can help you Save money on your pet’s care.

Make sure your pet’s veterinary treatment is covered in the future — start your pet insurance search now with a free price quote.

Pet insurance options with a pre-existing condition

Here are a few options to consider for insuring a pet with pre-existing conditions. While you may not typically get coverage for a current illness, these precautions can still help you Save money while keeping your pet healthy Over time

Wait for the condition to heal

Not all pre-existing conditions are lifelong. If your pet has one Injury or illness It’s only temporary, many pet insurance providers will cover conditions that are curable after a certain period of time.

For example, the ASPCA specifies that under its pet health insurance plans, “a condition is no longer considered pre-existing if it is treatable, curable and free of symptoms and treatment for 180 days.”

Using a different approach, Figo, another insurance provider, only considers pre-existing conditions that exist within 12 months of enrolling in a plan. Likewise, if your pet has a pre-existing treatable condition, Figo will cover it once your pet has been symptom-free for at least 12 months.

Make sure you read all the details of curable pre-existing conditions within your provider’s policy, though. There are some that can be ruled out after healing, such as certain knee and ligament conditions.

Learn more about pet insurance policies you may qualify for now with a free price quote.

Cover unrelated care with insurance

Just because your pet has a pre-existing condition doesn’t mean they’re ineligible for pet insurance. You can still secure pet insurance for your pet, but the coverage will not be extended Know thrips and costs associated with the specific condition they were previously dealing with.

New illnesses or injuries that may affect your pet in the future — unrelated to pre-existing conditions — will still be covered by your plan.

For example, say your pet has a broken leg when you sign up for pet insurance. Your insurance policy likely won’t cover any of the X-rays, medications, or vet visits associated with a broken bone. However, if your pet develops an allergy after a year, that unrelated condition will be covered by your plan.

Pet insurance can still be a worthwhile monthly expense even if your pet has a pre-existing condition because you never know what could happen or what coverage you might need in the future.

Get insurance early

If your pet is predisposed to certain genetic conditions, you may still be eligible for coverage as long as they have not yet shown any symptoms or have a history in their medical records.

when specific caste — often those more prone to genetic diseases — can afford higher premiums and cost more overall to insure, an increased likelihood of a condition does not itself qualify as a pre-existing condition.

So it is very important to insure your pet as soon as possible. Getting pet insurance in advance can help, especially if you have a breed that may develop health conditions during its lifetime. Protect you against expensive treatments They may need it.

Bottom line

Buying insurance for your pet is a great way Save money for their lifetime — Annual wellness exams, injuries and potential illnesses can be a lot to cover out of pocket. And although pre-existing conditions can make the specifics of your care a bit more complicated, they shouldn’t prevent you from getting pet insurance. Even if your pet already has a medical condition or injury, learning more about the specific options available to you can help you make the best financial choices. And if your pet is still healthy with no pre-existing conditions, Now is the best time To apply for full coverage to ensure that any future event is covered.

Find out which pet insurance options are best for you with a free price quote today

MoneyWatch: Managing Your Money

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