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Which Pet Insurance Covers Pre Existing Conditions
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Best Pet Insurance Companies
We love our pets! An impressive 70% of households in the United States own a pet. As people spend more and more money on their pets, more and more people are purchasing pet insurance. It’s important to understand that not all pets may be covered by every policy, especially if they have pre-existing medical conditions. In this expert review, we’ll evaluate the best pet insurance for pre-existing conditions.
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Embrace covers curable pre-existing conditions, but these conditions may be excluded from coverage for a 12-month period. Many other pet insurance companies will review the past 24 months or the pet’s entire life based on the pet’s age. This means that if your cat or dog experienced certain conditions before joining Embrace, any related recurrences will not be covered for one year after the last episode. Embrace is also one of the few pet insurance companies that differentiates between curable and incurable pre-existing conditions, providing maximum long-term coverage.
Through Embrace, pet owners can choose to have 70% to 90% of their veterinary bills reimbursed. Its plans have annual deductibles and optional add-ons for preventive care. Embrace also offers a 10% multi-pet discount for each additional pet, as well as a 5% military discount. Embrace has been offering pet health insurance since 2003. Embrace also has a feature called Healthy Pet Deductible. For each year a pet owner does not receive a claim reimbursement, the deductible will be reduced by $50 the following year. If your deductible is $200 and you have no claims for four years, your deductible will be $0. The healthy pet deductible resets once you submit your claim.
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Figo covers existing conditions that are considered treatable if your pet shows no signs or symptoms within 12 months of the last treatment. To find out which conditions can be cured, you need to contact Figo’s customer support. While most pet insurance companies do not cover bilateral or chronic conditions, Figo covers conditions such as hip dysplasia, knee and chronic conditions, and cancer treatment.
Figo does not have a lifetime maximum care limit. There is also no cap per incident, meaning there is no cap on claim payments by situation type. Figo also offers the Figo Pet Cloud app. Pet owners can use the app to connect with other pet owners and find pet parks, pet daycare centers, and more. Through the app, Figo provides free 24/7 access to a licensed veterinarian to assist in emergencies. Figo has a 14-day illness period and a one-day accident waiting period. Pet owners can choose to be reimbursed for 70% to 100% of covered veterinary expenses. Most plans have a coverage cap of 90%. Its plans have annual deductibles, and Figo offers a 10% multi-pet discount for each additional pet. Figo has been offering pet health insurance since 2015.
The ASPCA defines a pre-existing condition as a health problem that occurs before or while coverage is in effect. However, if your pet has recovered and has not received any treatment or developed symptoms for six months, the ASPCA no longer considers the disease to be a pre-existing condition, which is shorter than the one to two years that other pet insurance companies typically use. . This does not include knee and ligament conditions. If the knee or ligament condition occurs before the coverage effective date or during the waiting period, any future problems will not be covered.
ASPCA pet health insurance plans cover hereditary and congenital conditions. The ASPCA has no age limit for enrolling in sickness insurance (this is the age of a pet when sickness insurance is no longer available for new coverage). An examination is also not required before the pet owner can receive reimbursement for their claim. The ASPCA has a 14-day waiting period for illnesses and accidents. Pet owners can choose to have 70% to 90% of their covered veterinary expenses reimbursed. Its plans have annual deductibles and optional preventive care add-ons with no waiting period. The ASPCA also offers a 10% multi-pet discount for each additional pet. The ASPCA has been offering pet health insurance since 1997.
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ManyPets will cover treatment for pre-existing conditions in certain circumstances. Once your pet has been symptom-free and untreated for 18 months, they will cover treatable pre-existing conditions – unless it’s a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia. In this case they will be liable for any future claims. According to their website, Many Pets claims that it covers more conditions than other pet insurance companies and offers unlimited comprehensive coverage.
It covers hereditary diseases, dental conditions, check-up costs, and more. Generally speaking, insurance companies do cover bilateral conditions. If bilateral disease is diagnosed on both sides of your pet’s body, ManyPets will treat it as a single disease. ManyPets has no limits on claims or reimbursements. You can customize your copay and deductible and get up to 100% of your vet bill reimbursed if your pet has an accident or becomes ill. ManyPets also offers 24/7 access to virtual pet consultations. It has a 15-day waiting period and health plan add-ons. Founded in 2012, it is an international company headquartered in Atlanta, Georgia, Stockholm, Sweden, and London, United Kingdom.
Pet Assure is not a traditional pet insurance company. This is a veterinary discount program that provides participants with discounts on their pet’s veterinary care, so all pre-existing medical conditions are guaranteed to be covered. After registering your pet, you can give your pet warranty ID to your local network veterinarian. Veterinarians offer you discounts on medical services. Every pet, surgery and medical service is covered by Pet Protection. Without exception.
Participating Pet Assure veterinary clinics will provide you with discounts on all medical care. There is no waiting period with PetAssure. There are also no forms, claims processes or reimbursements to fill out. There is no deductible either. Pet Assure costs less than $10 per month. However, a typical pet insurance company may cover up to 100% of medical expenses minus a deductible. Therefore, pet insurance can be a great way to fill the gaps where pet insurance policies don’t cover certain procedures or pre-existing conditions.
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Most pet insurance does not cover pre-existing conditions. Because pets are considered property, they have more limitations and exclusions than human health insurance. Therefore, the sooner you get your pet covered, the more likely you are to be covered for chronic conditions that may develop later in life.
Covering pre-existing conditions is expensive, and since the average life expectancy for dogs is 10-12 years and for cats is 10-14 years, pet insurance companies may not cover it. Some policies may cover pre-existing conditions if they are treatable and your pet has not experienced the condition for a certain period of time.
Pre-existing conditions are any injuries or illnesses your pet experienced before the policy waiting period ended. In other words, any medical condition your pet had before the policy started is not covered. This prevents pet owners from obtaining pet insurance immediately after a major injury or illness diagnosis. Pet insurance is designed to cover future illness or injury to your pet, not past illness or injury.
For example, if your dog breaks his leg before you enroll in your pet insurance plan, any costs associated with the injury will not be covered. Any future related treatments and costs are also not covered. This is considered a pre-existing condition even if your pet has never seen a veterinarian before formal diagnosis or treatment. What matters most to insurance companies is when your pet starts showing the first symptoms. There are generally two types of existing diseases: curable and incurable.
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A curable pre-existing condition is an illness or injury that your pet has been treated for and no longer has. Some pet insurance companies have a period of 12 months to 24 months during which your pet does not show symptoms of a disease.
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