Sadly, my puppy fractured her leg today. She has never needed anything, thus she does not have insurance. When we got to the vet, I asked if she would be insured if I immediately signed her up, and I was told that she would not. She would have a pre-existing ailment because we did not have pet insurance when we first came in. I would like to know if her insurance will cover surgery performed in a few days after I enroll her in a plan today, or if they would consider it to be a pre-existing condition.
Pet insurance is not an option for you, however you might want to look into CareCredit. Like a credit card, people use it to pay for veterinarian bills. You have six, twelve, eighteen, or twenty-four months to pay it off with no interest. I believe you should find out if your veterinarian accepts CareCredit.
OP, this is the response. Unfortunately, it has already been documented, will be regarded as a pre-existing ailment, and usually entails a waiting period. Broken bones hurt, therefore you need to take care of this right away.
In addition to the fact that it has already been documented, there is the ethical/right aspect. You purchase insurance for unforeseen costs; but, if you purchase insurance to cover an event that has already occurred, it is insurance fraud, and fraud contributes to the increase of premiums for all other policy holders.
What kind of insurance do you advise getting, I am going to get a dog, my current dog is two and a half years old.
I am sorry, but since I received my cats at 4 months old, I have had Trupanion, and my premium has more than doubled I pay $220 a month for two healthy cats under 3 years old. Living in New York City seems to play a significant role as well. They have been excellent except from that, but the yearly price increases are difficult to accept. Despite being one of the more established products on the market, Trupanion is typically the priciest. People frequently suggest Healthy Paws and Lemonade if you look into this sub. I would suggest using websites that provide pricing comparisons between insurance plans. After determining a pricing that suits you, look for reviews on Trustpilot and this section. Because your dog is not a puppy, you need also be mindful of their pre-existing conditions policy.