- Cat Insurance Pre Existing Conditions
- Cat & Kitten Insurance Plans
- Is Pet Insurance Worth It And Should You Require It?
- What Is Pet Insurance And How Does It Work?
- What Is A Pre Existing Condition In Pet Insurance?
- Best Pet Insurance For Cats
- Dog Insurance: Puppy & Adult Dog Coverage
- Pre Existing Conditions: What To Know Before You Buy Pet Insurance
Cat Insurance Pre Existing Conditions – Let’s say you have an aging dog and the vet bills are starting to add up. Can you take out pet insurance to reduce your own costs?
So, what are pre-existing conditions? How do they affect your pet insurance? Is it still worth signing up for coverage?
Cat Insurance Pre Existing Conditions
In this article, we give you the answers. We will also go over some of the more common conditions on the exception list. If your pet has any of these, it probably won’t be insured.
What Are Pre Existing Conditions In Pet Insurance?
Pet insurance companies offer coverage for a variety of conditions. Customers choose an insurance policy and pay a monthly premium. The plan comes with a deductible, waiting periods and maximum claim limits.
Once your coverage begins, you may be reimbursed for a portion of your pet’s treatment costs. However, your protection only applies to future injuries and illnesses.
If you’ve been thinking about getting pet insurance, you may have noticed a list of pre-existing conditions on the exclusion list.
What is a pre-existing condition? It refers to anything ongoing, with symptoms or conditions that preceded your insurance. So if your pet already has an injury or chronic illness, it probably won’t be covered.
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The older your pet is, the more likely they are to develop health problems. If you plan to get pet insurance, consider signing up sooner rather than later.
Pet insurance and pet liability insurance have the added bonus of making you as a renter more attractive to property managers because they prove that you are a responsible pet owner. Read more about what can be done to make the rental process easier.
Any medical problems your pet has before your policy starts are not covered. You can check with your preferred insurance provider to learn more about the terms.
However, there are some common pre-existing conditions that will be excluded. Let’s take a look at some of them:
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If your pet has allergies, treatments can help. However, if they develop this health condition before you sign up for pet insurance, it may not be covered.
When we talk about allergies, we don’t mean the occasional sneeze or an upset stomach. For it to be classified as a pre-existing condition, your pet’s allergies must be long-lasting and present for more than three months.
Symptoms can vary but may include itching, diarrhea, vomiting, sneezing, irritated skin, swelling, ear infections or watery eyes.
If your pet develops any of these symptoms, it may be a sign of an allergic reaction. If in doubt, seek veterinary care.
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If your pet has cancer before your insurance starts, it is classed as a permanent pre-existing condition. This means that you will not be able to claim any expenses related to the condition throughout your policy period.
The age of your pet can increase its chances of getting cancer. Regular vet checkups can report any changes early, but there are some symptoms you can look out for.
Loss of appetite, weight loss, difficulty breathing, unusual bleeding, limping or fatigue can also be signs of cancer.
Diabetes is another lifelong condition. But if your pet is diagnosed early and given the right treatment, it can live a long and happy life.
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If your pet develops diabetes before your insurance starts, it will be classed as a pre-existing medical condition. You must pay for any costs related to diabetes, such as insulin and veterinary examinations.
What are the signs of diabetes in pets? Animals with diabetes usually drink more and urinate more often. Urinary tract infections are another common sign.
They may have an increased appetite while experiencing unexplained weight loss. Your pet may suffer from unexplained vomiting, weakness and vision problems.
Pre-existing thyroid conditions will not be covered by your pet insurance policy. Dogs and cats with thyroid disease will need to take medication for the rest of their lives.
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There are two types of thyroid problems. The first is hyperthyroidism, where the thyroid hormone is overproduced. Symptoms include increased heart rate, diarrhea, weight loss, enlarged thyroid gland, and increased thirst.
Then there is hypothyroidism, where the thyroid hormone is underproduced. Symptoms of this disease include fatigue, hair loss, weight gain and intolerance to cold weather.
Your pet’s thyroid problem may be a hereditary condition. Most animals start showing symptoms between four and ten years of age.
Heart disease is an incurable condition, and if it occurs before you take out your insurance – your pet’s treatment will not be covered.
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While there is no cure, medication and ongoing vet visits will make a difference in your pet’s lifespan.
Heart disease has a number of different causes. For example, it can be hereditary or due to age, obesity or diet. Possible symptoms to look for include a persistent dry cough, difficulty breathing, and blood pressure problems.
Animals with heart disease may be more tired and weaker than usual. If it’s a dog, they may lose enthusiasm for their daily walk.
Some animals outgrow epilepsy, but for others it is a lifelong condition. If your pet has symptoms of epilepsy before the insurance starts, it will be on the exclusion list.
What Is A Pre Existing Condition In Pet Insurance?
The most common symptom is seizures. Your pet may have various involuntary movements, such as shaking, stiffening or twitching. They may collapse to the ground, faint or foam at the mouth. Animals may urinate or defecate during severe attacks.
Seizures can occur at any time, but fatigue or stress can increase the frequency. If your pet is on medication, make sure they take it regularly as prescribed.
If your pet gets a urinary tract blockage, it will need emergency care right away. This is a serious condition that cannot go untreated. It can, for example, lead to organ failure or death.
What causes urinary blockage? Some possible causes are bladder stones, kidney stones, blood clots, cancer, injuries or mineral build-up. The vet will need to treat both the blockage and the underlying condition.
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One of the most obvious signs that your pet has a urinary tract blockage is when they have difficulty urinating. They may also have blood in the urine, lethargy or vomiting.
If your furry friend has hip dysplasia, it can be an unpleasant health condition. They will need specialist care, often requiring surgery and hip replacements.
This is another pre-existing condition, and even if your pet’s condition improves in the future, you will not be covered.
Hip dysplasia occurs when the hip joints do not grow properly. It can also be the result of the joints becoming unstable over time. It is usually genetic and is most common in larger dogs, such as Great Danes and German Shepherds.
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Without proper veterinary care, it can lead to osteoarthritis and mobility problems. A few things can make the risk higher, such as excessive exercise during the puppy stage, obesity or poor diet.
If you notice that your pet is uncomfortable sitting, has wobbly legs or begins to limp, these may be warning signs. Symptoms usually begin within the first two years of life.
We know that any conditions your pet has before you take out the policy will not be included in your policy.
But what if your pet’s health status changes and they fully recover? Some pre-existing conditions are temporary – meaning they can be covered in the future.
Best Pet Insurance For Cats
Here is an example. You take out disease protection and your pet has vomited, has a urinary tract infection or has an ear infection.
These types of symptoms are not always due to a serious illness. Your cat or dog can get the treatment they need, and you can forget all about it. However, even if it is a temporary condition, it may still show up in your pet’s veterinary records.
Pet insurance companies have rules about pre-existing conditions that can be cured. Not all insurance companies are the same, but you can expect coverage to begin once your pet has been symptom-free for a while.
For example, it may take 12 or 18 months without symptoms or treatment before your pet can be covered.
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When you sign up for pet insurance, the company will ask you a series of questions. The information you enter will determine the monthly cost, deductibles and your pet’s coverage eligibility.
It’s not unusual for pet insurance companies to ask for the whole picture. For example, your pet may need a veterinary exam to find out if there are any underlying health problems or chronic conditions. Or you may need to provide medical records from your last visit.
If something is flagged, it will be excluded from coverage. Even if your pet has symptoms but hasn’t been diagnosed with a disease yet, it will still count as a pre-existing condition.
As an example, if your fur baby has a limp before your cover starts, but it turns out to be hip dysplasia, it will be excluded.
Does Pet Insurance Cover Pre Existing Conditions?
Be sure to keep your pet’s vaccinations up to date as preventative care can also affect your insurance.
If your pet has a pre-existing condition, you may be wondering if you can still get insurance. The answer is yes, but there are a few things to keep in mind.
First, you may not get the type of coverage you want. The insurer will look at your pet’s veterinary records and exclude any pre-existing conditions from your policy.
Some illnesses will have related conditions, and these will usually not be covered either. For example,
Pre Existing Conditions: What To Know Before You Buy Pet Insurance
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