Pet insurance is a great way to pay for vet bills. However, coverage may not be available if your pet is suffering from a pre-existing medical condition. Before deciding on a policy, a good insurer will take into account the health of your pet.
A pre-existing condition refers to an injury or illness that occurred before your policy was purchased. Your pet may not even show signs of a problem until after you have started coverage. Sometimes, your veterinarian will be able to determine if your pet qualifies for coverage. You may lose your coverage if you wait to see a doctor if the symptoms worsen.
Before making a decision, a pet insurance company will examine your pet's medical history for several months. A lot of companies require that you answer many questions. This includes those related to your pet’s past and current health. Some may require a complete medical exam by your veterinarian. 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 covered policy that is medically underwritten will cover all of the above. This policy is ideal if your pet has chronic or elderly conditions. There are also life insurance policies that offer great coverage. Most of these policies require annual renewals, and you'll have to reapply each year.
A few companies offer pet-centric medical insurance. Although it is more expensive than the standard plan, this can help you save a lot of money. ManyPets is an example of a company that offers comprehensive medical services. This includes treatment for pre-existing diseases. You can even submit claims online, keep track of your pet's progress and receive quotes. You can also choose your own vet, which is a great relief if your current one is not working for you.
Another option is to sign your dog or cat up for a yearly wellness plan, which can be more cost-effective than a monthly premium. A wellness plan includes routine checkups and vaccinations, which can help you cut down on the cost of taking your pet to the vet.
The best pet insurance companies offer multiple options, so you're sure to find one that works for you. You should learn as much as possible about the company's policy so you will know what to expect regarding your pet's financial future. Although it can be difficult to get pre-existing conditions covered, it is well worth the effort. Take good care of your pet to ensure a happy and healthy pet for years.
The veterinary world is a treasure trove of information. The veterinary charity can also help.