Pet insurance is an excellent way to pay vet bills. But if you have a pet with a pre-existing condition, you may not be able to get coverage. Before you purchase a policy, an excellent insurer will evaluate the health of your pet.
Pre-existing conditions refer to any injury or illness that occurred before the insurance policy was purchased. Your pet may not show any signs until you have begun coverage. Sometimes your veterinarian can tell you whether your pet is approved for coverage. You may lose your coverage if you wait to see a doctor if the symptoms worsen.
A pet insurance company reviews your pet’s medical history for a few weeks before making a recommendation. Many companies will ask you to answer a lot of questions about your pet, including any previous or current ailments. Some pets will need a full medical exam. This can help determine the right course of treatment. It can be tedious, but it can save you thousands of bucks in the end.
A fully covered policy that is medically underwritten will cover all of the above. This policy is great for pets with chronic conditions, especially elderly pets. Lifetime policies can offer a lot of coverage. These policies will require you to renew your policy each year.
While it may be more costly than standard insurance, a pet-centric plan can offer significant savings. ManyPets for instance offers a full suite of medical services that includes pre-existing conditions. The company also offers an online portal through which you can submit claims, track the progress of your pet, and get quotes. It also allows you to choose your own veterinarian, which can be a relief if you don't like your current one.
A yearly wellness plan is another option. This can often be cheaper 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.
You'll find the right pet insurance company for you. 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. Getting a pre-existing condition covered isn't always easy, but it's well worth the effort. For many years, your pet will be happy and healthy if you take care of it.
The veterinary profession is a fantastic source of information. There are also veterinary charities that can be of assistance.