Pre-Existing Conditions: Why You Should Insure Your Pet Sooner, Rather Than Later

Insurance providers often deny coverage for your pet’s pre-existing condition. Learn why this is and what you can do about it.

Some fur parents may see pet insurance as “nice to have,” or something only vulnerable and sickly pets should have. No matter how careful you are, sudden illnesses or accidental injuries can still happen. And if your pet suffers complications from these, you’ll have to pay for expensive treatments up front. 

Even if you insure them after they recover, your pet’s condition won’t be covered. Here’s why. 

Pre-existing Conditions Explained

A pre-existing condition is a health-related problem your pet got before you insured them. This is why insurers often require you to submit your pet’s updated health records. They only cover illnesses and injuries that occur after your pet’s policy becomes active. 

You can avoid this problem by getting your fur baby insured immediately. This way, if they ever get injured or become suddenly ill, they’ll be covered.

The earlier you insure your pet, the better

Are Conditions Related to Pet Breeds Covered?

Some pet breeds may be more prone to certain types of chronic diseases and other issues. For example, pugs have a relatively high risk of developing brachycephalic obstructive airway syndrome. 

Persian cats may also suffer from brachycephalic airway syndrome because of their short noses

An insurer may still cover your pet against costs related to this disease as long as they haven’t shown any symptoms yet. If you wait until they get breathing problems, coverage for the condition will likely be denied.

My Pet has a Pre-existing Condition. Should I Still Get Them Insured?

It’s ideal to insure your pet before showing any signs of illness. However, getting them covered, even if they’re already showing symptoms, may still be worth it in the long run. They’ll have a fast and easy recovery if it’s a minor illness, and you can still get them insured against other types of diseases and injuries. As the old proverb goes, “better late than never.” 

Protect Your Pet from the Unexpected

Whether you want to protect your puppy from future illnesses or insure your grown-up cat against accidents, MICI Pet Insurance has you covered. Our Cat PURRtection and Dog PAWtection products protect you from expensive veterinary bills from accidents and sudden illnesses. These policies also offer lost pet coverage, pet burial benefit, and even extended personal accident insurance for you, the pet owner!

Visit the MICI online shop today to insure your fur baby in just a few clicks.

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