Pet Insurance for Pre-Existing Conditions

Pet Insurance for Pre-Existing Conditions

Pet owners who consider their pets as an inseparable part of their family, also take extra efforts for the health and well-being of their pets. It is the reason why pet insurance is the newest rage amongst the caring pet owners. However, pet insurance is not a new concept, but it is sort of reinvented these days, with numerous pet owners opting for the same. Pet insurance works the same way as health insurance for us humans, which means it is the best assistance that you can get with various pet health conditions, surgeries, costly tests and even organ transplants. Eligibility of your pet for the insurance plan is one issue that you need to understand as a pet owner. One of such eligibility factors leads to a common query about the availability of insurance for any pre-existing condition. The following articles let's know more about the same.

Insurance for a Pre-Existing Condition

If you do a comparison, you will come to know that the essential and eligibility factors differ by insurance companies. Similar to human health insurance, pet insurance policies also contain various coverage plans, deductibles and annual premium sum, according to the plan that you select. Most of these insurance plans are based on age, species, indoor or outdoor lifestyle and pre-existing conditions of the pet. You can start these policies as early as from the 6th to 8th week of its age, with not upper limit.

Most of the good insurance companies don't offer insurance for pre-existing pet health conditions, while some of them do allow insurance coverage if the health condition is under control/stable after a certain waiting period of time. This waiting period ranges from 3 moths to a year. For convenience, these pre-existing conditions of pets are divided into two practical groups, namely curable and incurable. Depending on the medical history of your pet, you can opt for the insurance plan from the desired firm in order to get the best insurance.

Curable Pre-Existing Conditions
Dog and cat insurance for pre-existing conditions is allowed for respiratory infections, urinary tract infections, bladder infections, diarrhea, vomiting, etc., can be covered under most of the health insurances. These conditions are verified quite well by the insurance firms and then only the coverage is allowed. However, any recurrence of these conditions is excluded for a year, from the date of the last incidence. Subsequent well-being of these pre-existing conditions automatically reinstates the coverage plan. For instance, your cat has suffered with diarrhea, say 9 months before enrolling her for insurance coverage. Now, she suffers with diarrhea again after tree months into the company terms, she suffers with diarrhea again. But if the doctor denies the possibility of giardia, then diarrhea is covered.

Incurable Pre-Existing Conditions
Cat and dog insurance for pre-existing conditions like various kinds of skin allergies, food allergies, diabetes, kidney stone, any sort of orthopedic illnesses, skin lumps, lipoma, any type of cancer, incurable urinary tract diseases, hyperthyroidism, hypothyroidism and all the other chronic medical conditions of pets are not allowed insurance coverage. Unlike the curable conditions, there is no waiting period allowed, and you cannot get an insurance for a pre-existing condition permanently. For instance, if a dog is diagnosed with any kind of cancer of any organ of the body, then that health condition is not allowed the insurance coverage. However, make it a point to compare pet insurance quotes before selecting the best one for your pet.

If you want to attain maximum pet care, then you can get some wellness packages at various hospitals, pet insurance agencies with discount programs, some non profit humane organizations, etc. places can definitely be a great help!