Does pet health insurance cover pre-existing conditions?. This is a common question among people who decide to add a new member to their family, we’re gonna answer this in our article. If you are interested just stay with us.
When you decide to have a pet, it's not just having a pet it's like having a new family member. You have to give him special care particularly when he is injured or has any health issue. Pet parents tend to enroll their pets into insurance programs to decrease the vet care costs you might face during the pet's whole life.
Pet Health Insurance That Covers Pre-existing Conditions:
What is a pre-existing condition?
The pre-existing condition is the case that your pet has before being enrolled in an insurance program, these things you have to tell the insurance company about. Some insurance givers will ask for proof that your pet had all the medical tests or even ask for the animal health history with the vet before enrolling him into the insurance program.
Any insurance company has a specific list for what they consider as a pre-existing condition, but there are common cases they all rate as a pre-existing condition, for instance, Allergies, Diabetes, Arthritis, cancers, Epilepsy, urinary blockages, or some times injuries can be included in the list.
The problem is when your pet has any of these issues, pet insurance will no longer be your best option because then your pet will be an expensive investment especially when he needs certain vet care to control this condition which can lead to dangerous issues in the future.
What should I do as a pet parent?
The good news is there are some cases you can get an insured pet with a pre-existing condition.
Pet Health Insurance That Covers Pre-existing Conditions:
The only case that you can get an insured pet to decrease the vet care costs he needs is the cases of the curable condition. When this pre-existing condition is curable it’s easy for the insurance givers to cover this cost which isn’t risky and not even expensive.
The curable conditions include:
- Ear infections
- Upper respiratory infections
- Gastrointestinal problems like diarrhea
- Urinary tract infections
If your pet suffers from any of the above the insurance company will completely cover the cost.
In this case, the pet health insurance that covers pre-existing conditions will be an effective expression.
On the other side, if you are out of luck and your pet is suffering from chronic conditions, unfortunately, you can’t enroll him into an insurance program. These chronic conditions include:
- Cancers
- Skin diseases
- Allergies
- Diabetes
- Hip dysplasia
- Arthritis
- Breathing problems
- Kidney problems
So, if your pet has a chronic disease, the pet health insurance that covers pre-existing conditions can’t be a good option for you.
Unfortunately, there's no way to prevent or manage the pre-existing conditions, but you can help your pet and enroll him into an insurance program right now instead of waiting because pets are curious and playful which might result in injuries or illnesses that would be considered as pre-existing conditions in the future.
Summary
Our dewtreats for you today are some answers to a common question about pet health insurance programs. Our article is like a gift for any pet parent who cares about his furry friend’s health. Enjoy!
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