Pet insurance can help you pay for your vet bills. If your pet has a condition that is pre-existing, you might not be able get coverage. A good insurer will consider the health of your pet before deciding on a policy.
Pre-existing conditions are any illness or injury that occurred prior to the purchase of your insurance policy. 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. Waiting until symptoms present can cause your coverage to be canceled.
Before making a decision, a pet insurance company will examine your pet's medical history for several months. Most companies require you to complete a variety of questions regarding your pet's medical history, including current and past ailments. Some require a complete medical examination from your veterinarian. This can help determine the right course of treatment. It may seem like a hassle but it could save you thousands of money in the long-term.
All of these factors can be taken into account if your policy is fully medically underwritten. This policy is excellent if you have an elderly pet or a chronic condition. There are also life insurance policies that offer great coverage. Many policies require an annual renewal and you will have to reapply every year.
A pet-centric model of medical insurance is offered by some companies. It can be a bit more expensive that a standard plan but can result in substantial savings. ManyPets provides a full range of medical services including pre-existing conditions treatment. The company also offers an online portal through which you can submit claims, track the progress of your pet, and get quotes. The portal allows you to pick your own veterinarian. This can be helpful if you don’t like the one you have.
A yearly wellness program is an alternative option. It can be less expensive than a monthly fee. A wellness plan includes routine checkups and vaccinations, which can help you cut down on the cost of taking your pet to the vet.
There are many options available from the best pet insurance companies so you can find the one that suits you. 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. It can be hard to get insurance for pre-existing conditions, but it is possible. Take good care of your pet to ensure a happy and healthy pet for years.
The veterinary community can be a great source of information about any subject. This includes how pet insurance deals with pre-existing conditions. The veterinary charity can also help.