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Pet Insurance for Pre Existing Conditions

This is a question that comes up all the time among pet owners who are contemplating pet health insurance. Can I get pet health insurance if my pet has a pre-existing condition?

A pre-existing condition is one that was present prior to a policy’s effective date or within the waiting period, whether diagnosed or not (not to be confused with genetic conditions, which is another subject).

In all cases, the answer is no. Although they may not refuse to insure your pet for other ailments, no insurance company will cover a pre exisiting condition and you can be sure of that.
The problem arises when there is a discrepancy between the pet owner and the company..
I have read in blogs and forums, that in certain cases the insurance company did not want to reimburse the cost of care because they claimed that the condition was pre exisiting, even though the pet owner did not think it was pre exisiting.

What most companies will do is ask your vet when he or she believes that the problem started. Based on that, the insurance company will determine whether the condition is pre exisiting or not. I do not know and the companies have not told me, how it is that they calculate the time when the disesase started.

Let’s say that you have purchased pet insurance 3 months ago. Suddenly your cat starts losing weight and the vet diagnoses him with feline diabetes. When you file your claim, the company will then contact the vet and ask him how long does he think your cat has had the problem and they will make the decision from what the doctor says. If the doctor says he thinks that the problem started 6 months ago, the insurance company might refuse the claim.

One company that will get address this issue ahead of time is Embrace Pet Insurance.
They recommend that you ask them to conduct a medical history review after you enroll your pet.
The review goes to your veterinarian, and if they find something that they deem is a pre-existing condition and you are not satisfied, you still have a 30-day money-back guarantee.

Pet insurance is a good thing but you need to know that they may not cover every ailment your animal has. This is why it is best to enroll your dog or cat when they are puppies or kittens, before they get really sick.

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Posted in Pet Insurance Information.