Pet insurance can help you pay for your vet bills. However, coverage may not be available if your pet is suffering from a pre-existing medical condition. Before deciding on a policy, a good insurer will take into account the health of your pet.
A pre-existing problem is an injury or illness that occurred prior the purchase of your insurance policy. Your pet may not even show signs of a problem until after you have started coverage. Sometimes your veterinarian can tell you whether your pet is 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. Numerous companies will require you to answer numerous questions regarding your pet's health, including past and present conditions. Some may require a complete medical exam by your veterinarian. This can help to determine the most appropriate 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 type of policy is a good idea, especially if you have an aging pet with chronic conditions. There are also lifetime policies that can provide a good deal 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 example, offers complete medical services that include treatment for 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. The portal allows you to pick your own veterinarian. This can be helpful if you don’t like the one you have.
Another option is to sign up for a wellness plan that covers your cat or dog each year. This plan can be much more cost-effective than paying a monthly premium. You can cut costs if your pet has to visit the vet. A wellness plan covers routine checks and vaccinations.
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 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 world is a treasure trove of information. There are also veterinary charities that can be of assistance.