What are your pet insurance options with a pre-existing condition?

If you’re a pet owner, you can do the best for your wallet and your furry friend 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 symptom. Unlike human health insurance, which protects pre-existing conditions from high costs or denial of coverage, Pre-existing conditions Often not covered by pet insurance.

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

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Pet insurance options with pre-existing conditions

Here are a few options to consider for insuring a pet with a pre-existing condition. While you may not typically get pre-existing disease coverage, these warnings can help you. Save money while keeping your pets healthy. over time.

Wait for the condition to be fixed.

Not all pre-existing conditions are lifelong. If your pet has Injury or illness This is only temporary, many pet insurance providers will cover treatable conditions after a certain period.

For example, The ASPCA explains. That under its pet health insurance plan, “a condition is no longer considered pre-existing if it is treatable, treated, and free of symptoms and treatment for 180 days.”

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

Make sure you read all the details of treatable pre-existing conditions within your provider’s policy. There are some that may go away after healing, such as certain knee and ligament conditions.

Learn more about pet insurance policies you may qualify for right now. Free price quote.

Cover unrelated care with insurance.

Just because your pet has a pre-existing condition does not mean they are ineligible for any pet insurance at all. You can still secure pet insurance for your pet, but the coverage won’t extend. Doctor visits 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 a pre-existing condition—will still be covered by your plan.

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

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

Get insured soon.

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

While Some species – Often those who are more prone to a genetic disease – can charge higher premiums and cost more overall to insure, increasing the likelihood of a condition not itself qualifying as a pre-existing condition.

That’s why it’s so important to insure your pets. As soon as possible. Especially if you have a breed that is likely to develop health conditions throughout its life, securing pet insurance in advance can help. Protect you from expensive treatments. They may need it.

The bottom line

Buying insurance for your pet is a great way. Save money throughout their lifetime – Annual wellness checkups, injuries and potential illnesses can be a lot to cover out of pocket. And while pre-existing conditions can make the details of your care a bit more complicated, they shouldn’t prevent you from getting pet insurance altogether. 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 healthy without a pre-existing condition, Now is the best time Apply for full coverage to ensure any future events are covered.

Find out which pet insurance options are best for you. Free quote today.