Pet Insurance and Pre-Existing Conditions

Written by:
Pet Insurance and Pre-Existing Conditions

For animal owners, sometimes many issues related to their pet?s health can get quite expensive. Because of this, it is important that all people with pets consider purchasing a pet insurance policy in order to avoid any potential financial problems that might arise from pet illnesses or injuries.

Each company varies less or more when it comes to covering such expenses; however, an insurance policy for your pet works on similar fundamental principles as the majority of other types of insurance. But, unlike the insurance policies for humans, where we have to spend for co-pays or different coverage for different kinds of operations, the insurance policies for animals work differently. Owners generally pay their vet directly, and then apply for reimbursement via the insurance company they are working with.

The insurance provider will then evaluate and pay the amount of the expenses for the treatments that are handled by the policies. Usually all that is needed is the itemized invoice from the vets. Also, there are no lists of vets you must choose from, so any veterinarian you are collaborating with will be accepted by most insurance companies.

This usually is the case with older animals, but sometimes determining if they need an intervention is probably the most difficult thing that you must do as a responsible pet proprietor. By having health insurance for your animal, you can remove the economical part from this decision and analyze your expensive healthcare choices simply on what is indicated for your pets.

An increasing number of therapies are used for animals every day, so charges for surgeries, common examinations and treatments are going up. For the majority of pet owners, the satisfaction that comes with understanding that any incident or illness will be swiftly handled or avoided altogether surely compensates for the monthly expenses with animal insurance.

Insurance for your pet?s health coverage can be designed to fit all budgets or needs. If the owner registers when the pet is younger, they have more choices to select from. These choices vary from significant injuries only to vaccines and common examinations. Examine multiple insurance offers to see all the different choices that you can benefit from.

The main advantage of having an insurance plan for your furry pal is how simple it is to get refunded. Most programs ask that the owner delivers an invoice from their veterinarian and, after a couple of weeks tops, they will acquire a reimbursement for part or all the charges from that check up. Understanding the insurance structure is vital, so that you will know what is covered. But the majority of plans make it simple to get your reimbursement in a fast and pain-free way.

Just like people, every pet is different. All animals have special traits and come with their own set of wellness issues and irregularities that might endanger them during their lifetime. Take into consideration any hazard associated with a particular species or breed and you may find that the advantages brought by pet insurance over-shadow the expenses related to it.

Learn More about Pet Insurance with Preexisting Conditions

Although every pet owner wishes the best for their pet, including offering them the best services available in case of illness or accident, there are cases in which the hospital treatment fees can take a great toll on one?s budget or even halt the emergency treatment altogether, especially if we are talking about a rare disease or an unforeseen accident which has left your pet badly injured.

In these cases, pet owners are really interested in buying a pet insurance, as it will help ease the expenses one may have to deal with in case a risk happens. Unfortunately, insurance by definition covers a risk that is less likely to happen, therefore conditions which are likely to recur, the usual checkups or the conditions which are chronic will not be covered by any type of insurance, or if they are, chances are that the premiums will be really high.

Before buying a pet insurance that will force you to pay premiums for a long period of time and in order to avoid having your claim rejected, please consider asking the insurance company in writing about the conditions and occurrences that are usually covered by the policy you are interested in as well as the type of conditions which are considered ?preexisting? and for how long will they be excluded from coverage by the policy.

Many insurance companies can have a different understanding of ?preexisting conditions? than yourself, which is why it is important that you do your homework prior to purchasing a pet insurance policy in order to make sure that, should the event you afraid of will occur, you will be able to cover the expenses with the insurance company?s help.

Most insurance companies include in this category illnesses which are hereditary or breed-related, congenital problems, or illnesses or accidents caused by behavioral problems that have existed prior to buying a pet insurance. Some also include the the so-called ?bilateral conditions?. This means that if your pet has a problem with one side of the body, say a problem with the left front leg, there is a high chance that it will develop the same problem with the opposite leg as well, which is why the risk is more likely to occur and will not be covered by insurance.

If any of these conditions occurred prior to buying an insurance policy, the insurance will not usually cover it, unless the problem has been treated and cured and no other symptom recurred and no treatment was made to treat it in the last 6 to 12 months, or even 24 months, depending on the company.

This is why a smart move for pet owners is buying a pet insurance policy for their furry pals while they are very young, so that they wouldn?t have had the time to develop any health problems. If you buy insurance shortly after adopting a young pet, you will increase your chances to have your claim accepted by the insurance company and be able to pay for that expensive emergency treatment your pet will desperately need at a certain moment in time.

If you enjoyed this article please take a look at our Pet Tips and Information Archive.

Discuss Pet Insurance and Pre-Existing Conditions on Facebook