Can you get pre-owned pet insurance?
Most pet insurance does not cover pre-existing conditions. Since pets are considered property, there are more restrictions than apply to health insurance for humans. So the sooner you vaccinate your pet, the more likely you are to catch chronic diseases that can develop later in life.
Pre-existing medical expenses are high and since dogs live 10-12 years and cats 10-14 years, pet insurance companies may not cover them. Some may mask pre-existing conditions if they are treatable and your pet has not had the condition for a long time.
What is considered pre-existing?
A pre-existing condition is any injury or illness your pet has before the waiting period ends. In other words, any illness your pet has before the policy starts is not covered. This prevents pet owners from getting pet insurance after a serious injury or illness. Pet insurance is used to cover future illness or injury to a pet, not past events.
For example, if your dog breaks a leg before you sign up for a pet insurance policy, then any expenses related to the injury will not be covered. Any future support and expenses are not covered. Diseases are considered pre-existing even if your pet has not been to the vet before being diagnosed or treated. What is important to insurers is when your pet started showing the first symptoms. There are two types of pre-existing conditions: curable and incurable.
A pre-existing condition is an illness or injury that your pet has been treated for and is no longer sick. Some pet insurance companies have a limit of 12 months to 24 months when your pet shows no signs that the disease has been cured. Some examples are:
- Respiratory diseases
- Urinary tract/bladder infections
- Diarrhea, vomiting, and other stomach problems
- Ear infections
- Other treatments
A pre-existing condition is an illness or injury that cannot be cured. It is an ongoing phenomenon and must be managed. Just a few examples are:
- Diseases of the body
- Obstruction of the urethra
- Heart or kidney disease
- Hip dysplasia
- Other serious diseases
These two factors affect all parts of your pet’s body. Examples are hip dysplasia or cruciate ligament tears. If a pet has a condition that affects one side of their body, chances are high that it will also affect the other side. So if your pet has a pre-existing condition on one side of their body, pet insurance companies will not cover the other side if symptoms appear.
How does the insurer know about pre-existing conditions?
Some pet insurance companies review 12 to 24 months of your pet’s life to establish pre-existing conditions. They usually ask for a full exam and ask for past Veterinarian records.
Some targets do not apply to certain species because they are based on specific diseases. Different pet insurers may define and cover pre-existing conditions differently, so it’s important to get quotes from several pet insurers and compare prices and coverages before deciding on a plan.
The cost of pre-existing pet insurance
No pet insurance company covers pre-existing conditions. Some, however, can be cured of pre-existing conditions subject to certain restrictions. The cost of pet insurance depends on many factors, including the pet’s breed, breed, sex, age, where you live, the different types offered, and your deductible. Here are the average prices for accidents only and accidents and illnesses (both).
Average salary at risk only
- A dog
- Annually: $218.13
- Monthly: $18.17
- Annually: $133.61
- Monthly: $11.13
Compensation between accidents and illnesses
- A dog
- Annually: $594.15
- Monthly: $49.51
- Annually: $341.81
- Monthly: $28.48
How to choose the right pet insurance policy when dealing with a pre-existing condition
Not all pet insurance companies even cover pre-existing conditions. The first step is to find an insurance policy that does. It is important to understand what pre-existing conditions the pet insurance company says are curable or non-curable. Once you have narrowed down the list of insurance policies to those that can meet a particular problem, the next step will be to compare the different types offered and find the best policy rates. If you have pre-existing pets, it’s important to take good care of them to keep them healthy. Continue with regular vet visits and vaccinations, and provide good nutrition and exercise.
Getting pet insurance early can reduce the possibility that your pet will develop a pre-existing condition that cannot be cured. The earlier you cover your pet, the more peace of mind you will have. Enrolling your pet in the plan while they are still healthy increases their chances of protection if something were to happen. Even if your pet has a pre-existing medical condition, your pet should be eligible for pet insurance and any pre-existing conditions should not prevent you from considering other treatments that may occur later.
Pet insurance is designed in the same way as health insurance for people. Both include annual premiums, deductibles, annual limits, and copays. Pet insurance companies also have different riders that you can add, as well as additional options. When considering pet insurance companies, be sure to compare the reputation, stability, customer service, and payment methods of each insurer.