Pet insurance is a great option to cover vet bills. However, coverage may not be available if your pet is suffering from a pre-existing medical condition. An excellent insurer will assess the health status of your pet before they issue a policy.
A pre-existing condition refers to an injury or illness that occurred before your policy was purchased. Your pet may not show any signs until you have begun coverage. In some cases, your veterinarian may be able to tell you if your pet is pre-approved for coverage. You may lose your coverage if you wait to see a doctor if the symptoms worsen.
A pet insurance company looks at your pet's medical history for a few months before making a decision. Numerous companies will require you to answer numerous questions regarding your pet's health, including past and present conditions. Some companies will ask you to complete a thorough medical exam. This will help you determine the best course of action. It can be tedious, but it can save you thousands of bucks in the end.
All of these factors can be taken into account if your policy is fully medically underwritten. This policy is ideal if your pet has chronic or elderly conditions. There are also lifetime policies that can provide a good deal of coverage. Many of these policies require annual renewals and you'll need to reapply each calendar year.
While it may be more costly than standard insurance, a pet-centric plan can offer significant savings. For instance, ManyPets offers a complete suite of medical services, including treatment of pre-existing conditions. You can even submit claims online, keep track of your pet's progress and receive quotes. This portal also lets you choose your own veterinarian.
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.
Many options are available at the top pet insurance companies, so it's easy to find the one that fits your needs. It's a good idea to find out as much about a company's policy as possible, so you'll know what to expect when it comes to your pet's future. Getting a pre-existing condition covered isn't always easy, but it's well worth the effort. If you take good care of your pet, you will reap the benefits in years to come.
The veterinary profession is a fantastic source of information. The veterinary charity can also help.