Can I Get Pet Insurance Before Surgery?
When your pet is injured or unwell, the phrase “surgery” can be frightening, and the subsequent high vet expenses can run into the thousands.
Surgery on our family members is an uncertain and stressful process. Unfortunately, our pets are no exception and sometimes require surgery. One of the benefits of pet insurance is that you can make the best medical decisions for your dog or cat without worrying about long-term financial problems. A good pet insurance policy provides peace of mind that any pet parent can appreciate.
Pet insurance is usually one of the first things we do when we get a pet(s). But life isn’t always perfect and we may sometimes forget to get it. Sometimes we just have to wait and see. But what if your beloved pet needs an operation and you don’t have insurance to cover it?
Can I get pet insurance if it turns out that my pet needs surgery?
Technically, you can always take out and get Pet Insurance before surgery. Unless the need for surgery is due to a health problem that would render your pet uninsurable, there is no risk. However, the insurance company will not cover the surgery and associated bills if the surgery qualifies as a pre-existing condition.
You may wonder why to buy insurance when the surgery is not covered anyway. The good news is that even if the surgery is deemed a pre-existing condition, the insurance company can still assess your pet’s future health.
Depending on the insurance provider’s policy, the condition that caused the surgery may change in the future and your pet may be covered. Contact your agent for full details and advice. There will inevitably be a ‘waiting period’ or a set period in which your pet will no longer suffer from the same illness or injury and you will need to be able to prove this.
Do I have to wait until after the operation to hold my pet insurance?
The answer to this question is a simple “no”. The younger and preferably healthier the better. You don’t want to find yourself in a situation where your pet needs medical attention but you don’t have insurance. Also, as with life insurance, the older the dog, the higher the premiums tend to be. Life insurance becomes more expensive as your dog gets older. There’s a reason for this: as they get older, they are more prone to illness. That’s why it’s best to get pet insurance as early as possible, not only because the premiums are lower, but also because it gives you the financial security you need.
Surgery doesn’t have to wait until next month. Can’t I tell my insurance provider about my pet’s condition?
First of all, it is unethical and fraudulent. Also, even if you have insurance, if the insurance company investigates and finds that your pet is sick, you will not be covered. Your pet is already sick and you are worried about unexpected expenses. Insurance fraud is certainly the last thing you need to worry about.
How does pet insurance work for surgeries?
Medically essential operations, including urgent care visits and some prophylactic procedures, may be covered by pet insurance coverage. Elective or optional procedures are often not covered, and some procedures may not be covered if they are connected to a pre-existing condition.
Is Surgery Coverage for Your Pet Worth It?
It is critical to investigate and gather information before making any medical choice. The price of pet insurance may vary depending on your location, the breed and age of your pet, your overall health, and the level of protection you choose. Even though younger animals often have cheaper premiums, all animals should obtain pet insurance since even a young, healthy dog or cat might need surgery.
What You Should Know About Getting Pet Insurance Before Surgery
If the animal is already injured or ill and needs an operation, it is too late to take out special insurance for such injuries or illnesses.
This means that the cost of the operation will not be covered by the insurance, but will have to be paid for personally.
This is also wrong, as future health problems can be covered long before the operation.
The reason why the insurance company does not cover the cost of the operation is that the emergency operation is considered a pre-existing condition. This pre-existing condition is automatically excluded from your pet insurance.
This also means that pet insurance will only cover new illnesses that occurred after the policy was taken out.
Preventable illnesses, such as pregnancy, are also not covered. If your pet becomes pregnant before or during the policy period, pet insurance will not cover the pregnancy.
10 Best pet insurance for surgery
Below are the best pet insurance for surgery.
- Pets Best
- Prudent Pet
Are there alternatives to pet insurance?
If you have a pre-existing condition such as diabetes, epilepsy, arthritis, heart disease, cancer, urinary tract obstruction, or allergies, you will be frustrated and helpless if you do not take out insurance as these conditions are not covered anyway.
If you feel that pet insurance is no longer the best option for you and your pet, there may be alternatives to pet insurance that offer discounts that completely disregard pre-existing conditions.
What is a veterinary discount program?
A veterinary discount program is not the same as a pet insurance program. It is a system where an organization has a network of vets who agree to give discounts to people who have a discount card. These cards can be purchased at retail outlets such as grocery stores and pharmacies. Depending on your vet’s discount program, you may receive a discount if you take your pet to the vet for the following reasons, among others
Vaccinations and routine care
Dental exams and X-rays
Tumour removal and cancer treatment
Spaying and neutering
Treatment of diabetes
Depending on the provider, you may receive discounts on medicines, food, and pet supplies. Plus, “free lost rescue” 24 hours a day, 365 days a year (or 366 days in a career).
Things to consider before making a final decision
1. While veterinary discount plans offer a standard discount on prescriptions, regardless of the dog’s age, health, or breed, pet insurance may not cover all your prescriptions. Whatever you decide, always check what is covered and what is not.
2. What breed is your dog? Some breeds are prone to certain diseases that affect premiums. For example, a Persian cat prone to upper respiratory tract infections and breathing difficulties may have a higher premium. A dog predisposed to congenital diseases can also cause problems, according to the insurer. On the other hand, the breed, age, or health status of the animal is not relevant to a veterinary benefits plan.
3. Always keep your budget in mind. Payments must be always up to date to be able to make a claim.
4. Pet insurance is generally more expensive than veterinary benefits. But if you think about medical expenses, it is not just a few hundred dollars.
The typical vet bill is about $4,500, which is not out of the range for hip dysplasia surgery. If the vet gives you a 25% discount, you’ll pay $3,375. Cancer treatment can cost up to $9,000 or more. Even after an apparent large 25% discount, you will pay $6750.
How does pet insurance work for surgeries?
Pet insurance plans may cover medically necessary procedures, including emergency procedures and certain preventive measures. Elective operations are generally not covered and some operations may be excluded if they are related to a pre-existing condition, reports progressive
What type of pet insurance covers surgery operations?
Two main types of pet insurance cover operations in different situations. Pet insurance covers the cost of treatment if an animal is involved in an accident, for example, if it is hit by a car or eats something it should not. Comprehensive pet insurance covers both accidents and chronic illnesses.
If your pet needs surgery as a result of an accident, pet insurance can cover the cost. If you need surgery for reasons other than an accident, full pet insurance is necessary.
What surgery is covered by pet insurance?
Medically necessary operations are usually covered if they are necessary to save your pet’s life, for example in the case of intestinal obstruction or urinary tract infection. Accidental injuries that will require surgery, such as a broken leg, are also usually covered.
What operations are not covered by pet insurance?
Pet insurance policies generally do not cover operations for a pre-existing condition as defined by the insurer. In the case of pre-existing conditions, you may be able to get funding from your vet if you are unable to cover the cost of operations.
Several pet insurance policies do not even cover elective operations such as spaying and neutering. As spaying and neutering are relatively common operations, they are often cheaper. Some preventive operations may also be excluded from insurance if they are not considered vital or medically necessary.
What are the most common surgical procedures for pets?
A pet owner may face one of these common surgical procedures:
ACL surgery. The only treatment for this injury is ACL surgery, which can cost an average of $1,200 to $5,000, according to CareCredit. Pet health insurance may cover ACL surgery because it is usually the result of an accident and is medically necessary for your pet.
Eye surgery: Any pet, but especially cats, can suffer an eye injury that requires removal of the eye, a surgical procedure called enucleation that usually costs between $200 and $1,000, according to Wag! Pet insurance may cover eye surgery if it is deemed medically necessary and not due to a pre-existing condition.
Hip surgery: Some dog breeds are prone to hip dysplasia, which may require a total hip replacement. According to the Northeast Veterinary Referral Hospital, this surgery can cost between $3,500 and $7,000 per hip. Veterinary insurance may not cover this surgery if it is due to a genetic predisposition in some breeds, as it could be considered a pre-existing condition.
Surgery to remove the tumor: Surgery to remove a cancerous tumor can cost $180 to $2,000 or more, depending on the complexity and location of the tumor. General pet insurance may cover the cost of surgery to remove a cancerous tumor if it is discovered during the policy period. If the tumor was present before insurance began, it is unlikely to be covered as a pre-existing condition.
Limb Amputation: If the pet’s limb is badly damaged or the cost of repair is too high, the veterinarian may recommend amputation – for dogs, this procedure can cost between $700 and $1,000, according to Wag! Pet insurance may cover amputation of a limb because it is usually considered medically necessary and not due to a pre-existing condition.
Debridement. This procedure may be covered by pet insurance because it is usually the result of an accident and is considered medically necessary.
Neutering. Although the procedure can cost up to $500, there are many government programs that subsidize the cost. Pet insurance usually does not cover spaying and neutering because they are considered elective surgeries. However, routine treatments may be covered by a health plan, such as Progressive by Pets’ BestWellness (which can be added to the BestBenefit plan for injuries and illnesses).
Joint surgery: Some pets, especially dogs, are prone to joint problems that require surgery. Depending on its complexity, this surgery for dogs can cost between $100 and $3,000. Pet insurance may cover the cost of joint surgery if it is deemed medically necessary and not due to a pre-existing condition. If joint problems in some breeds are due to a genetic predisposition, surgery may not be covered as it could be considered a pre-existing condition.
How do pet insurance cover the cost of surgery?
The reimbursement model for pet insurance is used, which is different from life health insurance. Instead of paying the vet directly, pet insurance reimburses a percentage of the cost of surgery for your cat or dog, depending on the amount of reimbursement and the annual deductible on the policy.
For instance, if surgery costs three thousand dollars and your pet insurance covers 80% of the cost, you would first pay the medical charges before submitting a claim to your insurance provider. If you’ve already reached your yearly deductible, you’ll be reimbursed $2,400 after your claim is completed.
Can I Get Pet Insurance Before Surgery? By Teamais
Can I get pet insurance before going to the veterinary?
Before bringing your pet in for a checkup, I strongly advise purchasing pet insurance. My observations show that owners who have pet insurance are better equipped to weigh predicted prognosis against cost when they are aware that part or all medical care will be covered.
Can you get pet insurance if your dog is already sick?
If my dog or cat is already ill, can I still acquire pet insurance? Yes! Even if your cat or dog has a pre-existing ailment, you are still eligible to get pet insurance. Your new plan won’t pay for the price of addressing that specific problem, but you may anticipate coverage for subsequent diseases and accidents.
Does pet insurance cover orthopedic surgery?
Common orthopedic conditions can be quite expensive to treat if your pet requires surgery. The good news is that veterinary treatment has never been better, making it possible to treat most orthopedic conditions and provide your pet with a longer, better quality of life.
Even better, orthopedic diseases are covered by pet insurance, so you’ll be covered if your cherished dog or cat needs a hip replacement or back surgery.
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