Understanding Pre-Existing Condition Insurance for Cats

Cat Insurance for Pre-Existing Conditions

Understanding Pre-Existing Condition Insurance for Cats

Felines can suffer from serious illnesses and injuries so it is important to have them covered for these. Cat insurance for pre-existing conditions is typically sought after by feline pet owners whose kitties are very sick and/or have a chronic illness or injury. Before you go shopping, it is important to learn how these conditions are defined and what these specific policies actually have to offer.

What conditions are defined as pre-existing?

Pre-existing conditions are illnesses and injuries that the cat had before the purchase of the insurance policy and ones that it has during a set period after the purchase. This period typically ranges from 10 to 30 days, depending on the type of vet fees cover of the policy. No company will offer cat insurance for pre-existing conditions as part of a standard plan. All such injuries and illnesses will be excluded from the policy automatically.

Even though such conditions cannot be covered as part of a standard plan, there are ways in which you can get cat insurance for pre-existing conditions. There are two main options available. They should work well for owners of pets, which have or have had an illness or injury that is chronic or may be incurred again.

How will my cat be covered?

Some insurance companies allow you to add cat insurance for pre-existing conditions to a standard plan. This option is available for curable conditions. Provided that the condition has been successfully cured, the insurer agrees to include it in the policy after a set period of time.

Each company is allowed to set its own list of curable illnesses and injuries for which it can offer cat insurance for pre-existing conditions. Usually, the condition has to be non-chronic and curable and should not come with a high risk of recurrence in order to qualify. Typically, qualifying conditions are infections affecting different parts and systems of the body such as the ears, the eyes, the gastrointestinal tract and the urinary tract. The same applies to cuts and wounds incurred during an accident and to accidental food poisoning. Chronic illnesses such as diabetes and injuries which may become chronic cannot be included into a standard policy if they qualify as pre-existing.

The inclusion of cat insurance for pre-existing conditions in a standard policy works fairly simply. Firstly, you have to make sure that the condition which your pet had and was successfully cured qualifies for inclusion. Then you have to check when you will be able to include it. Usually, insurers set a specific exclusion period which starts with the purchase of the policy. It is typically 12 or 18 months, but it may be shorter or longer. Once this period has passed, you have to fill out a specific form for the inclusion of the condition. You will be required to provide documented proof that the animal has been successfully cured. Then the insurer will include the condition.

Even though cat insurance for pre-existing conditions may be obtained when you have standard policy, it will still not cover chronic and incurable illnesses and injuries. That is why you need to look for a more comprehensive and flexible option while your cat is still young and healthy. Lifetime cat insurance is the best option for pre-existing conditions. There are a number of reasons for this.

With lifetime cat insurance, your pet is covered from the moment the policy enters into force to its death, provided that you renew the policy every year. This means that no condition, which your pet may suffer from during its lifetime after the purchase of the policy, will qualify as pre-existing. Your beloved kitty will be covered for both chronic illnesses and injuries and ones which cannot be cured. If you buy a policy that has time and cover amount restrictions, you will eventually have to purchase another one. In this case, all pre-existing conditions will be automatically excluded from the new policy.

How much do I have to pay for cat insurance for pre-existing conditions?

You will have to pay more for the opportunity to include pre-existing conditions in a standard policy once they are cured. Similarly, the lifetime cat insurance plans are the most expensive of all. In general, both of these options are worth it. Besides, there are a number of ways in which you can save.

Getting cat insurance for pre-existing conditions while your pet is still young and generally healthy will certainly result in lower a premium and possibly in lower excess. One of the most widely used methods for saving is to lower the premium by raising the excess. In this way, you will incur much lower costs on an annual or monthly basis. You just have to be prepared to pay the higher excess when you make a claim.

Discounts are available even on cat insurance for pre-existing conditions. You can get a discount if you purchase the policy online. Most companies offer a discount for insuring multiple pets. If you already have car insurance, home insurance or life insurance with a company, they will most certainly offer a loyal customer discount when you buy the policy for your cat.