Pet Insurance Nj Pre Existing Conditions

Chronic conditions and pre existing conditions may or may not be covered.

Pet insurance nj pre existing conditions. Unfortunately all pet insurance companies state they specifically exclude conditions that were pre existing prior to enrollment however there is still some hope. A pre existing condition is any condition that was discovered before a pet insurance plan takes effect. It could be anything from a viral infection to a lifelong condition like diabetes. Finding pet insurance for pre existing conditions is possible but most insurers do not cover existing medical conditions.

Pre existing conditions are significant problems or conditions that your pet has before you enroll him in an insurance program. You ll need to find a specialist insurer if you want cover for any medical conditions your pet has. In fact despite our best efforts we were only able to find four companies that offered some relief for pet owners with pre existing conditions. Pre existing cover intends to provide cover for medical issues that a pet already has.

You can still get pet insurance with run of the mill pet insurers. But if you re looking to get cover for a pre existing condition you will need a special type of policy. For instance cancer heart disease arthritis and some other very common pet ailments are considered pre existing conditions. Be sure to speak with your agent when discussing specific conditions.

They describe any illness injury symptom or condition that happened or first showed signs before your policy begins regardless of whether your pet went to the vet for it. Pet insurance will typically cover some inherited conditions that show up later in life. A minimum of 4 000 cover for pre existing conditions after the first two years please check policy wording for cover amount. Cover for your pet s pre existing condition if they have had no symptoms or treatment for 24 continuous months.

No cover is given during the first two years for pre existing conditions. Covering pre existing conditions is high risk from the perspective of the pet insurance company which is why they don t cover them. Hip dysplasia is a common condition for purebred german shepherds. Each pet insurer will have its own set of conditions and definitions relating to illnesses or injuries that occur before a policy begins.

Our full definition is shown in the faqs below or in our policy wording. You can but most standard insurers won t cover any pre existing medical conditions. Pre existing insurance for pets is cover specifically for pets that have a known illness or injury before you take out an insurance policy for them. Typically a pre existing condition refers to any health complaint such as a previous injury or sickness that your pet suffered before you take out a pet insurance policy for them.