Pet insurance is a great option to cover vet bills. Pre-existing conditions may mean that you will not be able receive coverage. Before you purchase a policy, an excellent insurer will evaluate the health of your pet.
A pre-existing problem is an injury or illness that occurred prior the purchase of your insurance policy. After you start coverage, your pet might not show any symptoms. Sometimes, your veterinarian might be able inform you if your animal is pre-approved. Your coverage may be cancelled or reduced if you wait for symptoms to manifest.
A pet insurance company looks at your pet's medical history for a few months before making a decision. You'll find that many companies ask you to fill out a large number of questions, including those relating to your pet's current and previous ailments. Some companies will ask you to complete a thorough medical exam. This can be helpful in determining the appropriate course of treatment. Although it is a hassle, this can help you save thousands of dollars over the long-term.
A fully medically underwritten policy will take into consideration all of the above. This policy is ideal if your pet has chronic or elderly conditions. There are also lifetime policies that can provide a good deal of coverage. These policies are usually required to be renewed annually and you will need to apply each year.
While it may be more costly than standard insurance, a pet-centric plan can offer significant savings. ManyPets provides a full range of medical services including pre-existing conditions treatment. The company even has an online portal where you can submit claims, track your pet's progress, and get quotes. The portal allows you to pick your own veterinarian. This can be helpful if you don’t like the one you have.
Another option is to sign up for a wellness plan that covers your cat or dog each year. This plan can be much more cost-effective than paying a monthly premium. If your pet needs to go to the vet, you can shave a chunk of cash from your budget, since a wellness plan covers routine checkups and vaccinations.
Many options are available at the top pet insurance companies, so it's easy to find the one that fits your needs. It's a good idea learn as much information as possible about a company's policies so that you are prepared for what lies ahead. Although it may not be easy to get pre-existing medical conditions covered, it is definitely worth the effort. Make sure you're taking good care of your pet, and you'll be rewarded with a happy, healthy pet for years to come.
The veterinary community is a wonderful source of information on any given subject, including how do pet insurance know about pre-existing conditions. The veterinary charity can also help.