When choosing pet insurance, one question that frequently comes up is whether your pet is covered for a pre-existing condition. In most cases, a claim filed for a pre-existing condition may be refused. Denial of coverage for an existing medical condition doesn’t mean that you can’t get coverage for your pet for exams, vaccinations, and other medical issues that may arise after you buy the policy.
Most often, pre-existing conditions aren’t covered by pet insurance. However, there are exceptions. If your pet has been treated by a veterinarian for a pre-existing condition before you purchased your health insurance, it may still be covered if you have documentation that the condition has been cured for at least six months.
What Is A Pre-Existing Condition?
If you noticed symptoms of a medical problem or your veterinarian noticed clinical signs before your insurance became active, it’s pre-existing.
Nationwide Pet Insurance
- Go to any veterinarian or clinic
- Coverage for accidents, injuries, surgeries, hospitalization
- Chronic conditions such as allergies
Congenital and Developmental Conditions
A congenital problem is a condition that your puppy or kitten is born with. The cause may be environmental or something that’s inherited. A developmental, medical problem that progresses over time. A pet insurance policy may cover conditions like these provided there aren’t visible symptoms.
Most pet insurance companies request that pet parents schedule an exam with their veterinarian that includes checking the cruciate ligament of the knee. If there’s a knee injury within the first year of buying our insurance, it won’t be covered. After the first year, you can file claims.
Under some pet insurance plans, wellness exams, heartworm medication, vaccinations, preventive care, and blood tests aren’t covered unless you buy a separate wellness plan or get a rider on the policy. If the medical history of your pet doesn’t indicate any further problems after the initial episode of the condition, it may be covered.
Pet Plan Health Insurance
Another company which may offer coverage for some pre-existing conditions is Pet Plan. This company considers two types of pre-existing conditions; those that are incurable and those that may be cured. If your pet had a pre=existing, curable medical problem before enrolling in a health care plan, that condition might be included in the plan after a period of exclusion.
To make sure that your pets get the best health care possible, it’s a good idea to buy insurance when they’re puppies or kittens.