Your pet is like a family member to you. Be it a cat, a dog, or any other pet, you make sure that it gets the best care in the world and you do everything you can to keep it safe and healthy. One of the things that you should do first is to get pet insurance. Just like you have insurance for your family, there is insurance coverage for pets as well.
If you have rescued an animal from a shelter, your pet may have an illness or condition that you only discover after you bring him home. The medical bills can become overwhelming and it’s important that you find pet insurance that covers preexisting conditions so that you can get your pet the medical care that he needs.
The truth is, things can get quite dicey when it comes to pre-existing conditions. But there are very few companies will still provide insurance coverage even with these conditions provided their terms are fulfilled. It will be easier if we can explain these things easily.
Curable and Incurable Conditions
First of all, the insurance company will distinguish if the health of your pet can be cured. This helps to provide long-term coverage according to the condition that they may have. Before you sign the documents, it is essential that you understand what the insurance company deems as curable or incurable.
Treatable pre-existing conditions are mostly covered under the insurance coverage if your pet has not shown any symptoms of that condition in 12 months. The treatment will be free after 12 months and this is the best way to get insurance coverage for your pet when he or she has a pre-existing condition.
On the other hand, if the pre-existing condition is incurable and the insurance company declares that it will not be covered under the insurance coverage, then you will not have any other option. But what exactly are the curable and incurable pre-existing conditions?
Curable Pre-existing Conditions
Several curable conditions are allowed by insurance companies in their coverage policy. Any of the recurrences of these conditions will not be included for 12 months from the last date of that episode. Here are some of those conditions given below:
- Urinary infections
- Diarrhea, vomiting, and various gastrointestinal disorders
- Respiratory infections
Just like curable conditions, several conditions are deemed to be incurable by the pet insurance companies. These will not be included under any circumstance under the pet insurance policy. Following are some of those conditions:
- If your pet has cancer
- Skin lumps or lipomas
- Allergies that don’t go away
- Urinary blockages
If you can’t find insurance, there are other options that may be available. One company offers a veterinary discount plan to help offset the costs. This could be an affordable option. Check around to figure out if you can get this type of discount.
It can be difficult to find pet insurance that covers preexisting conditions. The best thing to do is to get your pet insured soon after it is born. If you rescue an animal from a shelter, this isn’t always possible. Call around and try to find a solution in any case. If you can’t get coverage, many veterinarian offices will accept payments.