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Before choosing pet insurance it is worth remembering
that the cover can vary enormously between providers. Most, if not
all pet insurance
companies exclude a pet’s pre-existing medical condition from the
cover. Therefore if a dog develops hip dysphasia before pet insurance
is taken out it is likely that any vets fees associated with this
medical condition will not be met. Any pets pre-existing medical conditions that
have been declared are excluded from the cover and is normally stated on the policy
schedule or insurance certificate.
In some cases pet insurance offered by some providers excludes congenital
and hereditary medical conditions which may develop later on. It is known for example
that in some dog breeds there is an increased risk of certain medical conditions
developing in later life. Therefore, although your pet shows no signs
of any symptoms when the cover is taken out, any claims in the future
arising from such conditions are likely to be declined. Always consider
asking the pet insurer during the quotation stage whether any congenital
and hereditary illnesses are covered later on by the policy.
It also worth noting that some pet policies pay vet fees
claims for the first 12 months for an ongoing medical condition. In contrast
other pet insurers
offer lifetime cover for an additional premium. This means claims will
be met regardless of the length of treatment required and is relevant
for medical conditions such as diabetes or arthritis which are ongoing for the
rest of the pet’s life span.
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