Bringing a new pet to your home can be exciting and fulfilling. You are gaining a new family member in your home. But if your new pet becomes sick or injured, its treatment can get expensive for you quickly.
In such situations, pet insurance is very helpful in reducing the cost of veterinary care. But in case, your pet has any pre-existing condition, treating it could become costly.
While pet insurance helps in the reduction of veterinary care costs, it becomes complicated for pre-existing conditions. Pre-existing conditions are significant health conditions or problems of your pet that exist before they are enrolled in the insurance plan. For example, various health conditions such as heart disease, cancer, arthritis, etc. are some examples of pre-existing conditions. If you are aware of such conditions in your pet, you are obligated to disclose them to the insurance company.
Every pet insurance provider has its terms and conditions and a list of conditions it covers and excludes. However, most pet insurance providers commonly cover the below listed pre-existing conditions.
- Diabetes
- Allergies
- Cancer
- Heart disease
- Arthritis
- Urinary blockages
- Epilepsy
- Injuries
Four best pet insurance plans for pre-existing conditions include the following:
1. Pet Assure
It is one of the best available pet insurance plans that cover a majority of the pre-existing conditions of your pet. This particular insurance provider covers most types of animals. The best variety of discount plan does not exclude any type of service. Further, it does not have an annual cap.
2. Nationwide
This type of insurance is best for birds and exotic pets. Nationwide is one of the biggest insurance companies in the country. If you have Nationwide pet insurance, you will have wide coverage of the pre-existing conditions. Moreover, with Nationwide you can get your pet treated by any veterinarian across the globe.
3. Figo
Figo is a popular pet insurance provider that offers comprehensive care for your pet. For any life-saving treatments, the best life-saving care plan from Figo does not have any copay or deductible. You can avail of the services of any licensed veterinarian of your choice if you own a pet insurance plan from Figo. Furthermore, you are also eligible for reimbursements. One should keep in mind that in the best life-saving care plan, there is a 5-day waiting period after enrollment for accidents and a 14-day waiting period for illnesses. Besides, you will also have a waiting period of six months for cruciate ligaments and patella injuries.
4. Healthy Paws
All types of accidents and illnesses are covered by Healthy Paws, the best for the unlimited lifetime coverage plan. This plan also covers various other conditions including hereditary and congenital. It also offers coverage for cancer, chronic conditions, emergency, and specialty care.
