My wife and I received pet insurance; we felt and accepted a lump on the dog’s neck. It is a noncancerous cyst, they explained. I’m wondering if they will regard the lump on his neck as pre-existing if we try to file a claim for cancer in the future and we cancel the insurance and pick it up again. Regards
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A policy cancellation does not entail “picking it up” later. Everything that existed prior to the new insurance would not be covered because you are purchasing a whole new policy. Cysts in this instance would undoubtedly never be covered again. If cancer was diagnosed later, would a non-cancerous cyst then be considered a pre-existing issue? Yes, I believe the majority of insurance companies would respond, given that cysts can occasionally develop into cancer. However, you would probably need to question your insurance company directly in a conversation. However, based on what you have read here and elsewhere regarding pet insurance providers and pre-existing conditions, it appears that they will stop at nothing to deny a claim. If you wish to obtain pet insurance at all, it is generally advisable to preserve whatever coverage you now have, if at all possible. Because of the structure of the sector, switching or stopping and starting enterprises could cause serious coverage concerns. Happy that it was not malignant!
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I received this text from Fursure today; pay particular attention to the last paragraph. Between the time you buy your plan and the start of coverage, there are three waiting periods: three days for accidents, fourteen days for illnesses, and six months for conditions affecting the cruciate ligament such as ACL tears. If you want to purchase our wellness add-on, there is no waiting period; the day you purchase your plan is when your policy will become effective. Please be aware that pre-existing conditions—including those that may not yet have a diagnosis but have symptoms—are not covered. The same rules concerning pre-existing diseases exhibiting symptoms but not yet identified are shared by several companies. In the event that they reach this conclusion after you cancel, I would continue to insure your pet.
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That is what I was thinking, too, but we decided not to submit it. If something bad happened, I would be furious with myself.
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It does not matter if you filed a claim for the cyst or not. Upon filing a claim, for whatever reason, they will ask to see your pet’s records for the previous 18 months. Preexisting conditions are anything that is mentioned in those records.
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Pet and health insurance businesses are for profit enterprises and that is what they do… earn a profit. Pet insurance providers ought to take into account your decision to switch providers in order to obtain better coverage down the road and whether your pet’s insurance was continuous under your prior plan while you were switching to the new one. After a little waiting period, a pre-existing condition should then be covered, in my opinion.