Some of the most unrecognized friends and family members in our homes are pets because they gradually become more than just animals which you could be able to tame and that they become members of our family. In becoming family members, then there needs gradually move from the basic necessities into also requiring complex needs such as Healthcare Services. It is therefore not even in any way extravagant for the obtaining of pet insurance to people who have embraced pets as part of the family. The extent of care has seen the cost of pet healthcare gradually increasing because most pet owners would want to give them the best access to healthcare when they are not in the right condition. The biggest challenge when it comes to pet insurance has been that there is no cover for pre-existing conditions in most of the insurance providers. Below are some of the things that you should know about insurance of pets with a pre-existing condition.
If your pet has been showing any signs of suffering from a particular symptom, or having a particular disease that is known before you get the insurance policy, then that qualifies to be a pre-existing condition. If your pet also develops a complication during the time when you are awaiting the processing of the insurance policy, this is usually a period of one year from the date of application, then you can also think of that as a pre-existing condition. The pre-existing condition could also be unknown symptoms or diseases that develop in the waiting period or that were there before and you are not aware of.
For you to be able to know how a particular insurer handles various cases of pre-existing conditions is by having to consider the insurance policies that they have very keenly before making a decision. You also want work with a team member from the insurance company where you could be able to hear from the horse’s mouth about the various insurance policies and to get proper advice as to where to go about when it comes to the insurance of your pet for the pre-existing conditions.
There is a very thin line when it comes to the guarantee that you’re actually dealing with the right kinds of clients for the insurance company and this is why most of them refuse to cover pre-existing condition because people could easily bring their pets once a problem has developed. This is even made much more difficult because pets cannot communicate when they are ailing and therefore without routine check-ups then you might miss quite a lot when it comes to the medical history. For also want to consider which type of insurance policy you’re dealing with and from which type of company it comes from because this will determine how good it will be for your pet.