Can You Get Pet Insurance for a Pet with Preexisting Conditions?

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Ask any pet owner and they will tell you that their furry friends are family members. Just like your human family, you want the best care for your furry family members, too. Like the rest of us, pets suffer from a variety of ailments, all ranging in severity.
It has become more popular over the years to get medical coverage for pet care. However, a common concern is if there is insurance for a pet with preexisting conditions. Here’s what you should know about pet insurance for animals with preexisting conditions.

What is a preexisting condition on a pet insurance policy?

A pre existing condition is a medical condition that has already been uncovered before a pet insurance policy takes effect. It can be difficult to get coverage for a preexisting condition because pet insurance companies already knows care will be needed. This means payouts are already anticipated and they can associate medical costs to the policy before it has even started. If you can get coverage, it will very likely be expensive.

What are the different types of preexisting conditions?

There are primarily two types of pre existing conditions: chronic and curable. Chronic conditions are long-term ailments that there is no cure for and will most likely last a lifetime. Curable conditions are medical conditions that exist, but have a chance of being cured and eliminated after care and treatment.
Chronic preexisting pet medical conditions include:
  • Diabetes
  • Allergies
  • Kidney disease
  • Arthritis
  • Heart disease
  • Hip dysplasia
  • Respiratory problems
  • Disc problems
  • Torn ligaments
  • Epilepsy
  • Cancer
  • Thyroid problems
  • Skin diseases
  • Renal disease
  • Conditions resulting from injury
Curable preexisting pet medical conditions include:
  • Ear infections
  • Gastrointestinal problems, including diarrhea
  • Urinary tract infections
  • Upper respiratory infections
  • Tooth infection

What are breed specific concerns?

Insurance companies consider breed specific concerns when determining pet medical insurance premiums. Several breeds are associated with genetic dispositions to particular diseases and ailments in their lifetime. This means there is a significant chance a pet of a certain breed will develop a medical condition such as allergies, heart disease or many others.

What are the insurance options for a pet with preexisting conditions?

Just because your furry family member has a preexisting condition, it does not mean you cannot get medical insurance for your pet. However, there are things to bear in mind. Most likely, the specific preexisting condition will not be covered. With that said, other conditions and medical needs may be covered, which can assist you in the long run with costs. These might include:
  • Wellness check-ups
  • Spay and neuter services
  • Routine exams
  • Vaccines
  • Sick appointments
  • Dental
  • Allergy treatments
  • Emergency care
  • Management of diabetes or cancer
  • Diagnostic tests
  • Other conditions as outlined in policy
One of the best ways to prevent a preexisting condition from affecting pet medical insurance is to take proactive measures. If your pet has a tooth infection, treat it as soon as possible before it leads to a chronic condition. Help your furry friend maintain a proper diet and weight to prevent diabetes. If you see your pet excessively scratching, make a wellness appointment to determine if there is an ailment or allergy before a skin condition develops.

What Can I Do If I Have a Pet With a Pre-Existing Condition?

Petassure offers veterinary discount plans for pet visits and even some medications. It’s not an insurance company, which is why it accept all kinds of pets, including those with pre-existing conditions. Through Petassure, you might be able to save considerable amounts of money and still seek the medical attention that your pet needs. 
Some of the treatments Petassure can assist with include:
  • Wellness visits 
  • Sick visits 
  • Emergency care and hospitalization
  • Surgical procedures 
  • Spays 
  • Neuters
  • Routine care and vaccines 
  • Dental exams, cleanings, and x-rays 
  • Allergy treatments
  • Cancer care
  • And much more

Start When Your Pets Are Young

The best idea is to insure your pets while they’re young. Most of the time, pets are born healthy and happy, and it is not until later in their life when they are most likely to start developing certain conditions or injuries. For this reason, you will have a much better chance (and a much easier time) obtaining insurance coverage the younger the pet is. It’s never too early to start when it comes to health insurance. 
When shopping around for pet medical insurance companies, look at all the benefits each will offer and the costs associated with coverage. Make sure to consider all the factors before determining which company meets the needs of your pet. Since your furry family member cannot speak for itself, you have to look out for its best interests.

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