Pre-Existing Conditions and Pet Heath Insurance

The term Pre-Existing Condition is a big hindrance for many American’s looking for good health care coverage. But unfortunately, pet health insurance isn’t exempt from this often ambiguous term. Pet insurers are pretty unanimous about not covering pre-existing conditions.

Just like human insurance the cost and coverage levels of pet health insurance are determined by the physical condition of the animal prior to purchasing a policy.

Here is a little bit of information on what constitutes as a “pre-existing condition” in the world of pet health insurance.

To some insurance companies, a pre-existing condition is a congenital disorder, or one that the animal inherited through birth and can arise at any time in the animal’s life. For example, Hip Dysplasia, a disease that frequently plagues larger dogs, wouldn’t be covered. Essentially, it’s up to you as a pet owner to research and understand what conditions are specific to your breed. When shopping for pet insurance ask the specific on what won’t be covered by pet health plan providers.

If you’re looking to get around the Pre-Existing Condition nightmare, you should consider Pet Assure’s Veterinary Discount program. This comprehensive saving program can be used toward any vet visit and any dog, regardless of pre-existing conditions can qualify.