Pet insurance is a great way to pay for vet bills. Pre-existing conditions may mean that you will not be able receive coverage. Before offering a policy to you, a good insurance company will examine your pet's health.
A pre-existing problem is an injury or illness that occurred prior the purchase of your insurance policy. You may not notice any signs that your pet has a problem until you have established coverage. Your veterinarian may be able tell you if your pet has been pre-approved for coverage. Your coverage may be cancelled or reduced if you wait for symptoms to manifest.
Before making a decision, a pet insurance company will examine your pet's medical history for several months. Many companies will ask you to answer a lot of questions about your pet, including any previous or current ailments. Some may require a complete medical exam by your veterinarian. This can help in determining the best treatment. While it may be a hassle, it can save you thousands of dollars in the long run.
A fully medically underwritten policy will take into consideration all of the above. This policy is ideal if your pet has chronic or elderly conditions. You can also get lifetime coverage. Many of these policies require annual renewals and you'll need to reapply each calendar year.
Some companies will offer pet-centric versions of medical insurance. While this may come at a higher price than a standard plan but it can save you significant money. For instance, ManyPets offers a complete suite of medical services, including treatment of pre-existing conditions. It even offers an online portal, where you can submit claims and track your pet’s progress. You can also get quotes. It allows you to select your own veterinarian which is great if you don’t enjoy your current one.
A yearly wellness program is an alternative option. It can be less expensive than a monthly fee. You can save money on vet visits if your pet is a regular client of a wellness plan.
Many options are available at the top pet insurance companies, so it's easy to find the one that fits your needs. You should learn as much as possible about the company's policy so you will know what to expect regarding your pet's financial future. It's not always easy to get coverage for a pre-existing condition, but it is worth the effort. Make sure you're taking good care of your pet, and you'll be rewarded with a happy, healthy pet for years to come.
The veterinary profession is a fantastic source of information. The veterinary charity can also help.