Existing Illness Dog Insurance - Can I Insure My Dog Who Has an Existing Illness?

Existing Illness Dog Insurance

It is difficult to care for pets that are sick or injured and that require ongoing treatment. The financial burden can be considerable so many owners want to get existing illness dog insurance. The question is whether such a policy can be purchased at all. Find out what insurance companies can do for you if you have a pet with an existing medical condition. This will allow you to make the best choice for you and for your much loved pooch.

Typically, companies do not provide existing illness dog insurance. If your pet has a medical condition prior to the purchase of a standard policy, this condition will be automatically excluded. It does not matter whether it is an illness or an injury. All other conditions should be covered, however. In some cases, if the animal is very sick and other illnesses may arise from the existing one, the insurer will refuse to sell you a policy.

This is the general case, however. Some insurers have become slightly more flexible in recent years and may be willing to arrange a special existing illness dog insurance policy for your pet. There is a process which the company will go through before deciding on your pet's eligibility for such a cover.

The first thing, which the company will do be before they approve you for existing illness dog insurance, is to determine whether your pet has a curable or incurable illness. Most types of infections commonly affecting dogs are typically included in the list of curable conditions. Urinary tract infections, digestive tract infections, lung infections, eye and ear infections are generally curable. The incurable conditions most commonly affecting dogs are allergies, orthopaedic injuries and cancer.

If your pet is found to have a curable existing illness or injury, it will be entitled to receiving existing illness dog insurance. However, typically, these types of plans do not enter into effect right away. The insurers want to protect themselves financially so they will set a waiting period during which your pet is supposed to get cured. After this period expires, the policy will enter into effect and you will be able to use it. Sometimes, the waiting period can be as short as 3 months. However, in other cases, the companies can make it 12 or even 18 months.

Overall, even if you obtain existing illness dog insurance, it will most likely not cover the vet fees which you are currently paying and which you may continue to pay in the coming months. If you are short of funding and you see no way in which you can continue paying your pet's treatment costs, you should not fall into desperation, however. Make direct inquiries with all companies providing pet insurance. It is best to do it personally so that the representative you talk to can understand your situation and try to help. Maybe, they will be able to arrange something for you.

In general, the best advice, which you can get, is not to wait until you are in need of an existing illness dog insurance policy, because you are highly unlikely to find an insurer that will cover the vet bills you are already paying. Purchase standard pet compare dog insurance as soon as you take your new puppy home. That way, the insurer will cover your vet fees up to the maximum cover amount even if your pooch falls seriously ill or gets an injury which is quite difficult to treat. It should be pointed out that standard policies do not typically exclude any types of medical conditions. The only exceptions may be hereditary conditions, but this is not always the case.

You can choose from a range of standard plans. You can go for a fairly inexpensive policy with both condition and time caps. If you are able and willing to pay slightly more, you should consider a plan which does not have a set expiration period, but only maximum amounts of cover per condition.

If your pet is old and/or predisposed to chronic conditions such as allergies and injuries, you should certainly consider getting lifelong insurance. It does not have time limits and limits to the amount of coverage which you can use per condition. You can make claims for as many conditions as necessary provided that the total amount of money claimed does not exceed the annual limit set by the insurer. Getting a lifelong cover will certainly eliminate the need for existing illness dog insurance. This is because it does not have a time limit.

Purchase a standard policy in order to avoid looking for existing illness dog insurance plan when it will be too late to have your pet covered. It should be pointed out that even if you have a standard policy and the insurer determines that the claim which you have made is for a condition which your pet had before the purchase of the policy, they will not accept your claim. For this reason, it is best to have your pet checked by your vet and get a document that it is healthy before purchasing a plan. This will save you a lot of hassle and money in the future.