What the chances of my dog being insured?
Sunday, February 28th, 2010 at
3:59 am
I need a little help. I’m considering buying health insurance for one of my dogs. In the past 4 years, she has racked up to AT LEAST ,000 in emergency vet bills. She has broken two of her legs, swallowed foreign objects, eaten snail poisoning, and has had not one but two tumors removed from her.
Just wondering:
-what are the chances of my dog being insured?
-What is the process of making a claim with a pet health insurance?
-Will I be charged anymore?
-Any good pet insurance you know that will accept my dog, without an extremely high costing claim?
It’s not a matter of if my dog will get injured again, it’s a matter of when.
Filed under: Dog Insurance
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Anything related to a pre-existing condition would be excluded from your insurance policy.
If any condition was related to the original breaks in her leg, that would be excluded.
If the tumours were cancerous & not benign, you would need to check with the insurance provider to clarify if only that type of cancer would be excluded.
If the dog is a senior [usually over 7, can be 5 for some breeds] then the excess [the amount you pay for each illness] is higher.
If it’s a younger dog, the policy amount should not be higher, but pre-existing conditions would be excluded.
You would be able to find an insurance policy for your dog, but check the exclusions carefully.
Both my Dobermanns are insured with Pet Plan, on their cover for life policy.
You will probably be able to get insurance for the pet. However, I’m pretty sure that they are going to not cover anything related to "existing conditions", specifically anything tumor-related. And with the medical history of this pet, the cost is probably going to be pretty high. Still, you can look into it and see what the various companies say.
It is likely that you are still able to insure your dog, and I would recommend it as it looks like your dog is quite accident prone! If it’s an older dog, then the premiums will be higher and depending on the age, won’t be accepted by some companies.
If your pet is still experiencing symptoms related to the previous conditions, then they will most likely not be covered by insurance as they are consider pre-existing.
The process of filing a claim varies by insurance company, but typically you pay your vet bill and then submit (fax) a claim form and the bill to the insurance company and they reimburse the 80-90% .
As far as accepting yoru dog, if it is still pretty young than most companies should allow it to be enrolled. It sounds like a really good idea for your dog! I recommend Trupanion because they don’t have annual limits, so if a bunch of bad things happen all in one year, you’re covered.