If you’re like most pet owners, you want to do everything you can to make sure your furry friend is healthy and happy. But sometimes, even the best intentions aren’t enough. Pets can get sick or injured just like people, and pet insurance can help offset the high cost of veterinary care. But what if your pet already has a pre-existing condition? Can you still get pet insurance? The short answer is maybe. It depends on the insurer and the condition in question. In this blog post, we’ll explore the issue of pre-existing conditions in more detail and offer some tips on finding the right pet insurance for your needs.
Pre-existing Conditions in Pets
Pre-existing conditions in pets are not always covered by pet insurance policies. This is because pre-existing conditions are often considered to be preexisting and, as such, are not covered by most pet insurance policies.
However, there are some pet insurance companies that will cover pre-existing conditions if the condition is diagnosed after the policy is purchased. This coverage is typically called “diagnosis protection.” Diagnosis protection will cover the cost of treatment for a pre-existing condition that is diagnosed after the policy is purchased, up to a certain limit.
To find an insurance company that offers diagnosis protection, you can contact your state’s Department of Insurance or search online for “pet insurance” and “diagnosis protection.”
Current Pet Insurance Companies and Their Coverage
There are a number of pet insurance companies that cover pre-existing conditions. However, it’s important to note that not all pet insurance companies offer the same coverage. Some pet insurance companies may only cover certain types of pre-existing conditions, while others may not cover pre-existing conditions at all.
When shopping for pet insurance, it’s important to read the fine print and understand exactly what is and isn’t covered by each policy. Here are some of the most popular pet insurance companies and a brief overview of their coverage for pre-existing conditions:
1. Trupanion: Trupanion is one of the few pet insurance companies that covers all pre-existing medical conditions. There are no exclusions or limits on coverage, which means your pet can get the treatment they need without worry about whether or not it will be covered by your policy.
2. Pets Best: Pets Best offers a variety of plans that can be customized to fit your needs. Their “BestBenefit” plan covers all pre-existing medical conditions with no exclusions or limits on coverage.
3. Embrace: Embrace offers two different plans for pet insurance, both of which cover pre-existing medical conditions. Their “Complete Coverage” plan covers all pre-existing conditions with no exclusions or limits on coverage, while their “Major Medical” plan excludes certain types of pre-existing conditions from coverage.
How to Find the Right Pet Insurance for Your Pre-existing Condition
There are a few things to keep in mind when looking for pet insurance that covers pre-existing conditions. The first is that not all pet insurance companies cover pre-existing conditions, so it’s important to do your research and find one that does.
The second is that even if an insurance company does cover pre-existing conditions, they may not cover all of them. So it’s important to read the fine print and make sure that your particular condition is covered.
Finally, even if an insurance company does cover pre-existing conditions, they may not cover them to the same extent as they would cover a new condition. So it’s important to compare policies and make sure you’re getting the best coverage for your needs.
Alternatives to Pet Insurance
There are a few alternatives to pet insurance that may cover pre-existing conditions. Some pet owners opt to self-insure, meaning they set aside money each month to cover unexpected vet bills. This can work if you have a healthy pet with no pre-existing conditions, but it may not be enough if your pet does need significant medical care.
Another option is to purchase a major medical plan for your pet. These plans typically have a high deductible, but they may cover pre-existing conditions after a waiting period. Be sure to read the fine print on these plans before you buy, as some exclude certain types of pre-existing conditions or have other limitations.
Finally, you could try to negotiate with your veterinarian for a payment plan or discounts on services if you are unable to pay all at once. Many vets are willing to work with their clients to make sure their pets get the care they need, even if it means setting up a payment plan.
Conclusion
There you have it! Some of the best pet insurance companies that cover pre-existing conditions. While there are a few exceptions and exclusions to be aware of, overall these companies provide comprehensive coverage for your beloved furry friend. So if you’re looking for peace of mind when it comes to your pet’s health, one of these insurers is sure to be a good fit.