10+ Experts Best Pet Insurance For Pre Existing Conditions
If you want to insure your pet, you need to be aware of the policy’s limitations, such as treating pre-existing conditions, which can add up.
Like auto insurance, which does not cover accidents before the policy takes effect, pet insurance generally does not cover pre-existing illness or injury. It’s important to know what is meant by “pre existing condition”.
We love our pets! In the United States, 70% of households own a pet. As people spend more and more money on their pets, more and more people are also purchasing pet insurance. It is important to note that not all pets are covered by all insurance policies, especially if they have pre-existing conditions.
Will pet insurance cover the dog’s pre-existing conditions? This depends on the type of condition the dog has. Some pet insurance policies cover certain pre-existing conditions.
Check out the 10+ Experts Best Pet Insurance For Pre Existing Conditions and everything you need to know about Pet Pre existing conditions.
The Best Pet Insurance For Pre Existing Conditions
Below are the best pet insurance for pre existing conditions.
ASPCA Pet Insurance
ASPCA Pet Insurance Pre existing Conditions
ASPCA pet insurance covers treatable pre-existing conditions (excluding knee and joint disorders) if the pet is asymptomatic and untreated for 180 days.
Costco Pet Insurance
Costco pet insurance covers conditions that are considered treatable. You must contact customer service to determine if your pet’s condition is eligible.
Embrace Pet Insurance
Embrace Pet Insurance Pre existing Conditions
Embrace Pet Insurance: Best for low deductibles and short wait times. Embrace Pet insurance covers treatable pre-existing conditions if the pet is asymptomatic or treated for 12 months.
Figo Pet Insurance
Figo Pet Insurance covers conditions that are considered curable. We recommend that you contact customer service to determine if your pet’s condition is eligible.
Lemonade Pet Insurance
Lemonade pet insurance covers conditions that have been treated and resolved for at least 12 months. Eligibility requirements depend on your state.
Best Pets Pet Insurance
Best Pets pet insurance covers common, treatable pre-existing conditions (excluding knee and joint conditions) if the condition has remained symptom-free and untreated for 180 days.
Prudent Pet Insurance
Prudent pet insurance covers a single illness or injury that resolves on its own or with treatment. If your pet’s illness has been resolved by a licensed veterinarian and no treatment has been given for related symptoms for at least one year, your pet’s illness may be covered.
Pumpkin Pet Insurance
Pumpkin pet insurance covers treatable illnesses (excluding knee and joint conditions) for which no treatment has been administered and no symptoms have been experienced for 180 days.
MetLife Pet Insurance
MetLife pet insurance covers pre-existing, treatable conditions if they have been treated and are symptom-free for a certain period of time, such as 180 days or 12 months.
Nationwide Pet Insurance
Nationwide Pet Insurance Pre existing Conditions
Nationwide pet insurance may cover certain conditions if they have been treated for at least six months.
SPOT Pet Insurance
SPOT Pet insurance does not consider it a pre-existing condition if the pet has no symptoms and has not received professional care for 180 days.
ManyPets Pet Insurance
ManyPets Pet Insurance: Comprehensive coverage and customizable policies. also covers pre-existing conditions considered treatable and recommends contacting the customer experience department to determine if your pet’s condition qualifies.
Pet Assure Pet Insurance
Pet Assure: Discounts on all in-house medical services and procedures and coverage for pre-existing conditions.
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Choosing the right pet insurance for pets with pre-existing conditions
Some pet insurance companies do not cover treatable pre-existing conditions. The first step is to locate a company that does. It’s critical to understand whether a pet insurance provider considers pre-existing conditions to be treatable or incurable.
Once you’ve narrowed down the list of insurers who cover a specific disease, the next step is to compare the various types of insurance available and obtain quotes. If you have a pet with a medical history, it is critical to monitor its health.
Check that your pet’s veterinary exams and vaccinations are up to date and that he or she gets enough food and exercise.
You can reduce the risk of your pet developing a pre-existing condition that is not covered by pet insurance by purchasing it early. The earlier you insure your pet, the better. If you buy pet insurance while your pet is still healthy, you will have a better chance of getting full coverage in the event of an accident.
Even if your pet has a pre-existing condition, he or she is eligible for pet insurance, and a pre-existing condition should not prevent you from considering insurance coverage for future illnesses.
Pet insurance is similar to human health insurance. Annual premiums, deductibles, annual caps, and supplemental payments are all part of both. Pet insurance providers also have various clauses and coverage options that can be added.
When shopping for pet insurance, compare each company’s reputation, stability, customer service, and claims handling.
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What Is Pre existing Condition?
A pre-existing pet condition is an illness, injury, or health problem that occurred before the pet was insured under the policy. Any health condition documented by a veterinarian or observed by the insured is considered pre-existing. Pre-existing conditions are divided into two main types: curable and incurable.
Pre-existing And Treatable Conditions In Pets
Pre-existing diseases that can disappear or be cured with or without medical help are considered curable. For treatable conditions, many pet insurance policies do not cover costs if one year has passed since the last event. However, once a year has passed since the last event, a treatable condition is usually recorded and treated as a new problem.
Examples of common pre-existing conditions that can be treated and cured include:
- Respiratory infections
- Ear infections
- Vomiting or diarrhea
- Bladder or urinary tract infections
Pre-existing And Untreatable Diseases In Pets
Chronic illnesses or injuries for which your pet has symptoms or a diagnosis are considered incurable. Some insurance companies refuse to insure pets with incurable pre-existing conditions, but most will simply not pay for the treatment required by the condition. Here are some examples of common pre-existing and incurable diseases:
- Heart disease
- Hip dysplasia
- Kidney disease
- Orthopedic conditions
- Urinary blockages
- Allergies
- Arthritis
- Bladder crystals
- Cancer
- Diabetes
- Epilepsy
But some pet insurance companies still cover the above.
Bilateral Conditions
Another important aspect of pre-existing conditions is that many companies offer so-called bilateral conditions. This means that insurers will not cover a condition on one side of the pet’s body if the other side has already been affected.
For example, if you took your dog or cat to the vet for a left ear infection before you purchased insurance, it is unlikely that your insurer will not cover a right ear infection.
However, ear infections are considered treatable pre-existing conditions and, depending on the policy, may be covered after a certain period of time (usually one year). The most common bilateral conditions in pets are hip dysplasia and cruciate ligament rupture.
Tips for insuring a pet with a pre-existing condition
To ensure you can provide your pet with the coverage it needs, read our tips on insuring pets with pre-existing conditions.
Check pet insurance policies. Even if pet insurance doesn’t cover pre-existing incurable conditions, you may be able to find insurance that covers other medical costs. Compare the obvious, such as monthly price and deductible, but also consider waiting periods and coverage reductions as your pet ages.
“When choosing an insurance provider for your pet, essentially trust them to be your pet’s life partner. This is a key point when making a claim because “if you change insurance providers during your pet’s lifetime, a claim with the previous insurer will be considered pre-existing by the new provider and therefore will not be covered,” Stone explains.
Buy pet insurance when your pet is young and healthy.
One of the best things you can do to protect your ability to care for your pet is to insure him while he’s young. Younger pets are generally healthier and have fewer pre-existing conditions. This will save you money in the long run, as the insurance will cover any new health problems your pet may have when it is older.
Regular vet visits
As a pet owner, it’s important to schedule regular veterinary visits. By examining your pet regularly, you can catch problems early. It’s also important to keep your pet’s vaccinations up to date so that he or she doesn’t get sick and an insurance company denies a claim because your dog or cat hasn’t been vaccinated.
If your pet gets sick and you get treated right away, you can prevent the health problem from getting worse and your pet from suffering unnecessarily.
Treat his health as a priority.
Just like humans, pets need a nutritious diet and regular exercise to stay healthy. Try to include nutrient-rich fruits and vegetables, whole grains, and protein in your dog’s diet.
Avoid foods that are not safe for your dog and choose those that he or she can safely eat, such as carrots, green beans, sweet potatoes, apples, bananas, and blueberries. In addition to a healthy diet, regular exercise walks, and play can help prevent pre-existing conditions such as diabetes and keep your dog from becoming obese, which can drive up the cost of pet insurance.
If you want to change your cat’s diet, there are many foods that are safe for dogs. The best foods for your feline friend are whole grains in small amounts, cooked vegetables like broccoli and carrots, and proteins like eggs and fish.
Although cats seem to do well when they sleep all day, exercise is still important. Some cats enjoy leash walks, but most can get the exercise they need by playing. Get your cat’s favorite toy and keep her fit with fun
Expert tip: Change your cat’s toys to keep her from getting bored.
Consider your options for pet insurance: Companies such as Eusoh and Pawp provide insurance alternatives that help pay for a pet’s medical expenses. Pawp, for example, charges $19 per month for a membership-benefits service that covers up to $3,000 in emergency veterinary bills for a pet, including pre-existing conditions.
Check pet insurance policies. Even if pet insurance doesn’t cover pre-existing incurable conditions, you may be able to find insurance that covers other medical costs. Compare the obvious, such as monthly price and deductible, but also consider waiting periods and coverage reductions as your pet ages.
“When choosing an insurance provider for your pet, essentially trust them to be your pet’s life partner. This is a key point when making a claim because “if you change insurance providers during your pet’s lifetime, a claim with the previous insurer will be considered pre-existing by the new provider and therefore will not be covered,” Stone explains.
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Which pet insurance covers pre existing conditions
Below are the best pet insurance for pre existing conditions
- ASPCA Pet Insurance
- Costco Pet Insurance
- Embrace Pet Insurance
- Figo Pet Insurance
- Lemonade Pet Insurance
- Best Pets Pet Insurance
- Prudent Pet Insurance
- Pumpkin Pet Insurance
- MetLife Pet Insurance
- Nationwide Pet Insurance
- SPOT Pet Insurance
- ManyPets Pet Insurance
- Pet Assure Pet Insurance
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Does Pet Insurance Cover Pre-Existing Conditions?
Pet insurance policies generally do not cover pre-existing conditions. Pre-existing conditions are defined as any medical condition or symptom that a pet exhibits prior to the effective date of the pet insurance policy. This means that if a pet has a pre-existing condition, it will not be covered under a pet insurance policy.
It is important to note that the definition of a pre-existing condition may vary from one pet insurance company to another, so it is important to carefully review the terms and conditions of a policy before purchasing it.
In some cases, a pet insurance company may offer coverage for a pre-existing condition after a waiting period, during which the pet must be symptom-free. However, it is important to note that this type of coverage may come with exclusions and limitations, and may not be available for all pre-existing conditions.
If you are considering purchasing pet insurance for your pet and your pet has a pre-existing condition, it is important to discuss your options with the insurance company and carefully review the terms and conditions of the policy to understand what is and is not covered.
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How do pet insurance companies find out about pre-existing conditions?
How do pet insurance know about pre existing conditions?
Pet insurance companies may use a variety of methods to determine whether a pet has a pre-existing condition. These may include:
- Examining the pet’s medical records: Pet insurance companies may request the pet’s medical records from previous veterinarians or clinics to identify any pre-existing conditions.
- Asking the pet owner: Pet insurance companies may ask the pet owner to complete a questionnaire or provide information about the pet’s health history.
- Conducting a physical examination: Some pet insurance companies may require a physical examination by a veterinarian as a condition of coverage. This examination can help the insurance company identify any pre-existing conditions.
- Using other sources of information: Pet insurance companies may also use other sources of information, such as claims data or databases of medical records, to identify pre-existing conditions.
