When it comes to safeguarding your furry companion’s health, pet insurance is a must-have. But what happens if your dog already has a pre-existing condition? Many pet parents in Canada face this dilemma. Let’s break down what pre-existing conditions mean for pet insurance, what coverage you can expect, and why it’s still a smart choice even if some conditions are excluded.
What Are Pre-Existing Conditions in Pet Insurance?
A pre-existing condition is any illness, injury, or health issue that your dog showed signs of or was diagnosed with before your pet insurance policy’s start date. Insurers also consider conditions that surface during the waiting period (usually up to 15 days) as pre-existing.
For example:
- Skin Allergies: If your puppy licked its paws excessively and later developed a skin condition, this allergy would be considered pre-existing.
- Limping or Injuries: If your dog showed signs of a limp before the policy took effect, any related diagnosis, like a fracture, would also be deemed pre-existing.
- Torn Ligaments: A ligament injury sustained before enrollment would fall into this category, even if the issue worsens after coverage begins.
Do Pet Insurance Providers Cover Pre-Existing Conditions?
Most pet insurance providers, including Fetch Pet Insurance, do not cover incurable pre-existing conditions. However, there’s good news: some conditions classified as “curable” may become eligible for coverage if your dog remains symptom-free and untreated for 12 months.
Examples of Curable Pre-Existing Conditions:
Condition | Eligibility for Coverage |
---|---|
Urinary Tract Infections (UTIs) | After 12 months symptom-free |
Respiratory Infections | After 12 months symptom-free |
Vomiting & Diarrhea | After 12 months symptom-free |
Broken Bones | After 12 months symptom-free |
Why Should You Get Pet Insurance Despite Pre-Existing Conditions?
Even if your dog has pre-existing conditions, pet insurance can still provide vital coverage for new accidents, illnesses, and other health issues. Comprehensive plans, like those offered by Fetch, cover sick-visit exam fees, full dental treatments, and diagnostic procedures recommended by your vet.
Benefits of Fetch Pet Insurance
Fetch is one of the most comprehensive pet insurance providers in Canada. Here’s why:
- Sick Visit Coverage: Exam fees for illness are included.
- Dental Coverage: Treatments for all teeth and gums are covered.
- Emergency Care: Immediate assistance for accidents and urgent health concerns.
- Customizable Plans: Tailored policies for your pet’s specific needs.
How Insurers Identify Pre-Existing Conditions
Pet insurance companies require your dog’s medical records to determine coverage eligibility. A veterinary checkup before purchasing insurance can provide a clear health baseline, ensuring transparency in coverage.
Proactive Steps to Take
- Enroll Early: Insure your dog while they’re young and healthy to avoid exclusions.
- Regular Vet Visits: Maintain up-to-date medical records to streamline claims.
- Understand Policy Terms: Familiarize yourself with waiting periods and coverage limits.
Are Breed-Specific Issues Considered Pre-Existing?
Conditions that are common to certain breeds (e.g., hip dysplasia in German Shepherds) may not automatically qualify as pre-existing unless diagnosed before the policy start date. It’s important to discuss breed-related risks with your insurer.
Top Pet Insurance Providers for Dogs in Canada
While Fetch stands out for its comprehensive coverage, other insurers like Trupanion and Pets Plus Us also offer competitive plans. Compare policies to find the best fit for your pet’s unique needs.
Why Pet Insurance Is Worth It
Veterinary care costs in Canada are on the rise. With pet insurance, you can manage unexpected bills without compromising on your dog’s health. Although pre-existing conditions may not be covered, the financial relief for other medical needs is invaluable.
Key Takeaways
- Pre-existing conditions are health issues observed before insurance enrollment or during the waiting period.
- Curable conditions may be covered after a 12-month symptom-free period.
- Fetch Pet Insurance offers extensive coverage for new illnesses and accidents.
- Enrolling your pet early ensures the broadest coverage.