Pet Insurance Nj Pre Existing Conditions

Your pet has shown no symptoms of the condition.

Pet insurance nj pre existing conditions. Hip dysplasia is a common condition for purebred german shepherds. Typically a pre existing condition refers to any health complaint such as a previous injury or sickness that your pet suffered before you take out a pet insurance policy for them. Pet insurance will typically cover some inherited conditions that show up later in life. Unfortunately all pet insurance companies state they specifically exclude conditions that were pre existing prior to enrollment however there is still some hope.

No pet insurance company covers pre existing conditions but a pre existing condition will never prevent you from obtaining pet insurance coverage. Whether your pet s pre existing condition is curable or not will determine your coverage options for that condition. If your pet has a pre existing illness or injury you ll still be able to take out pet insurance but it s unlikely that your insurer will cover veterinary treatment for that particular condition as there is too much risk that the condition might flare up again. Chronic conditions and pre existing conditions may or may not be covered.

Each pet insurer will have its own set of conditions and definitions relating to illnesses or injuries that occur before a policy begins. Vetsmedicover s lifetime pet insurance policies i e gold platinum and diamond policies policy wording states that pre existing conditions will cease to be considered as pre existing conditions if for twenty four consecutive calendar months. You ll need to find a specialist insurer if you want cover for any medical conditions your pet has. You can but most standard insurers won t cover any pre existing medical conditions.

For instance cancer heart disease arthritis and some other very common pet ailments are considered pre existing conditions. But those pre existing conditions will be excluded. If your pet has had medical problems in the past you may be able to find a policy which covers them by using our comparison above to compare pet insurance. If your pet has a pre existing condition you might find the new insurer won t cover them if you ve claimed on an existing policy you may have difficulties finding an insurer that will offer you a competitive price if your pet has a chronic condition you ll struggle to find adequate cover if you leave your current insurer.

You can still get insurance with run of the mill pet insurers. In fact despite our best efforts we were only able to find four companies that offered some relief for pet owners with pre existing conditions.