9 Best Pet Insurance for Pre Existing Conditions in 2023

Pet owner wants to do everything possible to keep their furry friend happy and healthy. But what if your pet suffers from a pre-existing condition – is it possible to find affordable Insurance to cover your pet’s needs?

In this article, we look at Pet Insurance for pre-existing conditions and answer the question “What is the best pet insurance for pre-existing conditions”. We discuss the difficulties of finding pet insurance for pre-existing conditions, the different types of coverage available, and how to choose the right policy for your pet.

Best Pet Insurance for Pre Existing Conditions

Pre-existing chronic or degenerative disorders are typically not covered by insurance providers. If your pet had had signs or a diagnosis of a fatal condition when the coverage began, that illness is typically not covered.

Some insurance providers, however, differentiate between pre-existing incurable and treatable diseases. For example, if the cat had a urinary tract infection that was treated and healed, a future urinary tract infection that develops after a waiting period may be covered. The waiting time for most pet insurance providers is 12 months, although for some it is just six months, and for some, it’s 14 days.

Bilateral disorders are also considered pre-existing by certain insurance carriers. As a result, if the pet sustained a knee injury on one leg previous to the policy’s effective date, a comparable injury on the other leg may not be covered.

Other insurance providers, on the other hand, do cover bilateral injuries. To discover the top pet insurance companies for pets with pre-existing diseases, we analyze pet insurance providers based on coverage, pricing, customer happiness, and other factors.

Pre existing conditions and pet insurance

Pre-existing conditions are health problems or illnesses that your pet was diagnosed with before the insurance policy took effect. These conditions can range from minor health problems to serious illnesses such as cancer.

It can be difficult to find pet insurance that covers pre-existing conditions, as many pet insurance policies exclude cover for these conditions. This means that if your pet gets sick or injured, you may have to pay out of pocket for veterinary care.

7 Cost-Effective Strategies for Finding Affordable Pet Medications

Insuring pets for pre-existing conditions

Although it can be difficult to find pet insurance that covers pre-existing conditions, pet insurance offers several benefits, including

Access to better care: Pet insurance for pre-existing conditions can give you access to better veterinary care because you don’t have to worry about the cost. This means you can take your pet to a specialist when needed or access advanced treatments not covered by regular insurance.

Financial protection: Insurance for pets with pre-existing conditions can provide financial protection in the event of an unexpected illness or accident. With insurance, you don’t have to worry about the high cost of veterinary care and can focus on the care your pet needs.

Peace of mind: pet insurance that covers pre-existing conditions can give you the peace of mind that you won’t have to make the difficult decision not to give your pet the medical care they need due to financial constraints.

Budgeting for veterinary expenses: Insurance for pets with pre-existing conditions can help you budget for veterinary expenses. By paying a monthly premium, you can budget for your pet’s future veterinary expenses and avoid unexpected bills.

Types of pet insurance that cover pre-existing conditions.

There are several types of pet insurance policies that cover pre-existing conditions:

Lifetime cover: this type of cover covers pre-existing conditions for the lifetime of the pet. It is the best option for pet owners who want to be prepared for any eventuality.

Cover with a waiting period: This type of cover includes a waiting period before coverage takes effect, during which pre-existing conditions are not covered. After the waiting period, pre-existing conditions are covered. This is a good option for pet owners who are willing to wait for coverage to take effect.

Exclusionary cover: This type of insurance excludes cover for certain pre-existing conditions, but covers all other illnesses and injuries. This is a good option for pet owners who have a particular pre-existing condition that is of concern.

Should I Get Pet Insurance Before Going To The Veterinary?

Choosing the right insurance for your pet

When choosing an insurance policy for your pet with a pre-existing condition, there are a number of factors to consider, including the following

Coverage limits: Make sure you choose a policy with coverage limits that meet your needs. You should also consider deductibles, co-pays, and amounts to ensure the policy covers your pet’s future veterinary expenses.

Pre-existing medical conditions. Some policies exclude coverage for pre-existing medical conditions, so it’s important to read the fine print and understand what’s covered.

Age limits. Some policies may have age limits. So make sure you choose a policy that covers your pet for life. This is especially important for older pets, who are more prone to health problems.

Waiting period. Some policies have a waiting period of up to a few days, while others have a waiting period of one to a few days. Make sure you choose a policy with a reasonable waiting period and consider how long you can wait before taking out a policy.

Exceptions. Some pet insurance policies exclude coverage for certain illnesses, such as cancer or genetic diseases.

Cost. Consider the monthly premium, deductible, and co-payment to make sure you can afford long-term coverage.

Reputation: choose a pet insurance company that has a good reputation for customer service, claims to handle, and reimbursement. Check customer reviews, ratings, and complaints to get an idea of the company’s reputation.

Availability: make sure the insurance company is available in your area and that coverage is accepted by veterinary clinics in your area.

Understanding How Lost And Found Pet Insurance Policy Works

Best Pet Insurance companies for Pre Existing Conditions

• Spot Pet Insurance
• Metlife Pet Insurance
• Figo Pet Insurance
• Nationwide Pet Insurance
• USAA Pet Insurance
• Companion Protect
• AKC Pet Insurance
• ASPCA Pet Insurance

Does Pet Insurance Cover Cremation? EVERYTHING YOU NEED TO KNOW

Best Pet Insurance for Pre Existing Conditions: FAQs

Does pet insurance cover pre-existing conditions?
Yes, some pet insurance policies cover pre-existing conditions, but this depends on the policy and the company offering it. Some insurers may exclude cover for pre-existing conditions, while others may impose a waiting period before covering them.

It’s important to check the terms and conditions of your pet insurance policy carefully before taking it out, as benefits and exclusions can vary widely. Make sure you know what the coverage limits, exclusions, and pre-existing condition exclusions are so you can purchase a policy that meets your pet’s needs.

It is also advisable to inform your insurer of any pre-existing conditions when taking out pet insurance. Failure to report a pre-existing condition may result in a claim being rejected if your pet requires veterinary treatment for that condition in the future.

In general, pet insurance can provide financial protection and access to better veterinary care, even if your pet has a pre-existing condition. However, it’s important to choose the right insurance and know your coverage limits to make sure your pet’s needs are covered.

Pre-Existing Conditions that Are Considered Curable

The classification of a pre-existing condition as curable or not curable can vary depending on the pet insurance company and their specific policies. However, some common pre-existing conditions that are often considered curable include:

• Ear infections
• Urinary tract infections
• Skin allergies
• Conjunctivitis (pink eye)
• Gastrointestinal issues (such as diarrhea)

These conditions are often considered curable because they can be treated with medication or other therapies, and the pet can make a full recovery. The success of treatment and the ability to cure a pre-existing condition also depends on factors such as the severity of the condition, the pet’s overall health, and the effectiveness of the treatment.

It’s important to note that just because a pre-existing condition is considered curable, it does not mean that it will always be covered by pet insurance. Some insurance policies may have a waiting period before coverage begins for curable pre-existing conditions, or they may exclude coverage for these conditions altogether.

It’s essential to carefully review the terms and conditions of a pet insurance policy and understand what is covered and what is excluded to ensure that your pet’s needs are met.

If you have questions about a specific pre-existing condition and whether it is considered curable or not, it’s best to consult with your veterinarian and the pet insurance company.

Pet Insurance Advantages And Disadvantages Explained: VIDEO

Best Pet Insurance for Pre Existing Conditions: Conclusion

In the case of pre-existing conditions, pet insurance can provide financial protection, access to better veterinary care, peace of mind, and the ability to plan for your pet’s veterinary expenses.

When choosing pet insurance, check coverage limits, pre-existing conditions, age restrictions, waiting periods, exclusions, cost, reputation, and availability. With the right insurance, you can rest assured that your pet will receive the best possible care, no matter what.

Thanks for reading “9 Best Pet Insurance for Pre Existing Conditions in 2023” Please help share with your friends.