Pet Insurance Coverage For Hereditary Conditions – Sharing your life with a cat or dog is magical. But, as with any loved one, sometimes things can go wrong. Having pet health insurance doesn’t make an illness or accident go away, but it softens the financial blow – and makes it easier to provide the best veterinary care for your pet without money being the deciding factor.
In its simplest form, pet health insurance provides coverage for your pet’s medical care and treatment if your pet becomes ill or injured. The basic policy helps with veterinary bills for diagnoses and treatments related to accidents and illnesses (as long as they occur after your policy grace period has ended).
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Ok, we know that thinking about these things gets a little heavy! The problem with insurance is that you hope you never have to use it. But if you do, your furry friend will certainly appreciate the safety net you’ve given him.
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Let’s dive into what a pet health insurance policy covers, as well as what extra supplements they offer to improve your pet’s medical care.
Yes! A basic policy will cover many of the things veterinarians use to keep your puppy or kitten healthy. This includes blood tests, urinalysis, X-rays, MRIs, laboratory tests, CT scans and ultrasounds. also offers Preventative and Preventive+ care packages, which include annual fecal and blood tests and a heartworm or FeLV/FIV test.
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Your insurance policy will come in handy if your pet breaks a bone or is injured by a car, or if it accidentally eats toxic food or something dangerous it shouldn’t. (As long as you are past the 2-day accident waiting period; if your accident occurs within 48 hours of obtaining your policy, unfortunately, it will not be covered.) Accident and Illness policy covers diagnoses (such as or x-rays), procedures (such as surgery or stitches), and medications (such as antibiotics or pain relievers) if your dog or cat has an accident or contracts an illness.
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Your pet’s health insurance covers the surgery that can occur if your dog or cat ingests a toy. The only exception here is if your pet has a history of eating similar toys multiple times in the past. Being a good pet parent means taking care of your fur family! If your cat eats a box of washing powder one day and the vet manages to save him, that’s cause for celebration. But it’s your responsibility after that to make sure your loved one doesn’t make it into the detergent.
The Big C is one of the toughest challenges a pet can face, so it’s good to know that cancer treatments are actually covered under your pet’s health insurance policy.
If your cat or dog is diagnosed while they have a policy, treatments like chemotherapy will be covered – but not experimental treatments. Your policy also helps pay for diagnostic tests. If there is a suspicious lump that you want your veterinarian to check, your policy will cover things like cytology, needle aspiration or biopsy (for eligible conditions). But remember, the most important factor is that you cannot wait until after a cancer diagnosis to purchase a pet health insurance policy. The key is to plan ahead.
Your pet health insurance policy will cover a wide range of things from ear infections to diabetes. You’ll also be covered for a variety of hereditary and congenital conditions, from elbow and hip dysplasia to hernias and eye disorders.
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But it’s important to note that many of these can fall under the category of pre-existing conditions. If your pet is diagnosed with such conditions – such as cancer or diabetes – after the pet health insurance policy grace period, then your pet is covered. But if they suffer from these conditions, or show signs of them, before getting pet health insurance, treatment related to those specific conditions will not be covered.
TL;DR: The best thing you can do is cover your furry friend with pet health insurance when he’s young and keep him covered as he gets older.
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He does! Overnight vet visits can quickly get expensive, and we’ll help cover those costs (as long as they’re related to an eligible condition). We’ll cover you for vet-recommended hospitalization, fluids, medications, and additional testing. We’ll even cover the cost of follow-up exams if you opt for our Vet Visit Fee Add-on.
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Wow, glad you asked! Pet currently offers five optional add-ons that you can mix and match in your policy. Here’s what they can help cover:
Yes. As long as the allergy isn’t considered a pre-existing condition, your pet’s allergy meds like Apoquel allergy pills and Cytopoint allergy shots are covered.
However, if your pet was diagnosed with an allergy or had a test that showed signs of an allergy or sensitivity before being covered by pet insurance, its allergy would be considered a pre-existing condition and therefore not covered. . .
It depends. Your basic accident and illness policy will not cover this. However, you can opt for a vet visit fee add-on, which covers your vet’s time and labor when you bring your pet in for treatment.
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It depends. Your basic policy will not cover this. But if you have added our physiotherapy add-on to your policy, physical therapies will be covered. For example, this can be applied to a cruciate ligament repair. (That’s a scary term for a common knee injury that dogs can get.) Our Basic Policy
Cover it for the cost of a cruciate ligament repair… but without the physiotherapy add-on, we cannot help with any physiotherapy costs.
But that doesn’t mean that pet insurers will deny coverage to your pet if he has a disease like cancer or hip dysplasia before you sign up. It just means that the plan you receive will not cover costs directly related to the condition they were diagnosed with before you enrolled them. Therefore, although treatment for diabetes resulting from obesity is covered under a basic policy, you will only be reimbursed for eligible costs if your pet starts to show signs of diabetes after your policy is already active.
This is one of the reasons pet health insurers require you to submit recent medical records when applying for a policy. If you want a lot more information about pre-existing conditions, we’ve got you covered.
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You can add the basic preventive package to your basic policy to cover things you are probably already paying for for your pet’s ongoing care, such as your pet’s annual wellness checkup, three major vaccinations – for example, rabies, DHLPP and Bordetella. a heartworm test and a blood and stool test.
Our Preventative+ package includes all of this, plus more testing, vaccinations, routine dental cleaning, plus flea and heartworm prevention.
If you purchase the Puppy/Kitty Preventative Pack, this extended coverage will help prepare your new pet for life, covering things like spaying or neutering and microchipping.
And to top it off, you can add our vet visit fee and physiotherapy add-ons to help you pay for expensive treatments and trips to the vet.
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If your pet has shown consistent signs of arthritis before you get a policy, this will be considered a pre-existing condition and therefore not covered. But if your pet develops arthritis while you have a health insurance policy, your pet is covered. That’s one more reason why it pays to enroll your cat or dog when they’re young!
What will your policy cover if arthritis is found while your pet has a policy? We will help with medications, including injectables like Adequan. Your plan will also include supplements as long as they are not herbal products like CBD. (Sorry, California kittens.)
This is a great question, and one we address in its own article. You should know that pet health insurance doesn’t cover grooming costs – even though your good boy certainly deserves to be pampered every now and then. The policy will also not cover things like prescription diet foods or elective cosmetic procedures.
Because you love your cat or dog and you don’t want to go broke to keep them healthy if they get hurt or sick! Not to scare you, but vet bills and exam fees can add up quickly after an illness or emergency. Cancer treatment that includes chemotherapy can run up to $35,000; even diabetes medication can cost $1,200 a year.
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Having pet medical insurance ensures that you and your furry friend can rest a little easier even when life gets tough.
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