Pet Insurance Nyc Pre Existing Conditions

What is not covered.

Pet insurance nyc pre existing conditions. Cover for your pet s pre existing condition if they have had no symptoms or treatment for 24 continuous months. What is a pre existing condition. A pre existing condition means that the condition first occurred or showed clinical signs or symptoms there doesn t need to be a diagnosis before your pet s coverage started including waiting periods. The good news is not all pre existing conditions are excluded permanently.

No cover is given during the first two years for pre existing conditions a minimum of 4 000 cover for pre existing conditions after the first two years please check policy wording for cover amount. Multi pet discount applied after 1st year. Most insurance companies will cover your pet s condition if it was sick but is now well and has not shown signs or symptoms of the disease or condition for at least six months to a year. A pre existing condition is basically any illness or injury that your pet had before coverage started.

If the disease or condition that your pet is or was suffering from is curable. According to embrace a pre existing condition is any injury illness or irregularity that your pet exhibits prior to the end of your waiting period. Both humans and pets can get chronic conditions like asthma or diabetes. Unfortunately no pet insurance companies cover pre existing conditions.

Pre existing conditions are significant problems or conditions that your pet has before you enroll him in an insurance program. Pre existing conditions covered once 24 months treatment symptom free and no vet consultation. If you have medical records from your vet showing that your pet s condition has been cured for at least six months you may be able to get it covered. Other examples of chronic conditions in cats and dogs include glaucoma cancer allergies arthritis and lower urinary tract diseases.

Healthy paws excludes pre existing conditions from coverage as do all pet insurance companies. A pre existing condition is any condition that was discovered before a pet insurance plan takes effect. Covering pre existing conditions is high risk from the perspective of the pet insurance company which is why they don t cover them. For instance cancer heart disease arthritis and some other very common pet ailments are considered pre existing conditions.

Insurers and pre existing conditions your insurer might use other words to define your pet s health conditions. 3 lifetime cover options available to suit all budget levels providing up to a maximum of 10 000 per year. A pre existing condition is an accident or illness that occurred or showed symptoms before you bought a pet insurance policy or during your policy s waiting period even if no treatment was needed at the time. Here are the common exceptions to the pre existing conditions rule.

It could be anything from a viral infection to a lifelong condition like diabetes.