Does anyone know of a Pet insurance that covers existing conditions.?

Question

Our cat was taken into the vets today and diagonsed with asthma, does anyone know of an insurance company that accepts pets with new conditions?

Answer 1

Richard

No pet insurance company will cover pre-existing conditions for any reason. However many distinguish between curable conditions and non-curable.

For example, if your dog broke his leg prior to enrolling then treatment related to that leg would be excluded for first policy term. After that coverage would then be available for that leg. Thus a broken leg would most likely be considered curable.

On the other hand if your dog had a history of back problems prior to enrolling (herniated discs, etc) then all back problems would likely be excluded. In other words, back problems would fall into the category of "non-curable".

Remember that most insurance, no matter what sort, won't cover pre-existing conditions. For example, you can't get auto insurance *after* you've had an accident and you can't get home insurance *after* a tree has fallen on it.

Getting insurance means being prepared and taking it out when things are going well. As the saying goes, insurance is the one thing you can't get when you need it the most.

Alex
Embrace Pet Insurance
http://www.embracepetinsurance.com

Answer 2

I'm afraid none will. It's just common sense for insurance companies - if they covered existing conditions, they would never make any money as everyone would be getting policies as soon as their animals got ill and they'd only ever be paying out instead of receiving money.

I would suggest either starting a savings account just for your cat, or if you're in the US there's a care credit scheme you can look into that will help budgeting for vet bills. If you're in the UK and on benefits, the PSDA may be able to help.

Chalice

Answer 3

Hi Richard,

Unfortunately, no pet insurance company will cover your cat for existing illnesses - although you should still get insurance in case anything happens in the future.

I use Pet Plan, which starts at just under £7 per month, so it's really good value.

I'm sorry to hear that your kitty has asthma; I'm sure you'll have him/her feeling better soon.

xx Emmie

Answer 4

None, I've had the same problem with insurance, my GSD has warts and cysts that have to be removed each year and I can't get insurance to cover it. She is nearly 8 and has between 20-30 removed at one time, in the last 18 months she has cost me £1500 and there will be more to come but you pay it because they are a member of your family and you don't want them in any pain. Good luck, let me know if you ever find one.

Answer 5

Sorry, yet you will no longer locate an coverage enterprise everywhere which will disguise a pre-present day venture. in case you reside in Britain that's properly worth ringing the RSPCA to ascertain in the event that they comprehend of any charities which will properly be prepared to make a contribution in the direction of the fee of surgical operation. regrettably if he has Dysplasia he will unquestionably opt for hip replacements, my GSD had the two certainly one of hers replaced and it fee £3,500 according to hip. fortuitously she replaced into insured. I basically desire somebody had recommended you on coverage before, you does no longer be dealing with this heartbreak now. properly completed for adopting this infant, you will desire to have a huge coronary heart. good success, i'm hoping you will locate a answer.

Answer 6

You'll be pushed to find one that covers exsiting conditions, most refuse to, the best thing to do is ring round the most popular ones and ask, they may charge you an extra premium but it would be worth it if they cover you.

Good Luck and I hope this helps.

Answer 7

I'm not sure. I have VPI pet insurance, and excludes existing conditions, but as far as monthly prescriptions and such, I would check it out.