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Your pet is like a family member to you. Be it a cat, a dog, or any other pet, you make sure that it gets the best care in the world and you do everything you can to keep it safe and healthy. One of the things that you should do first is to get pet insurance. Just like you have insurance for your family, there is insurance coverage for pets as well.

If you have rescued an animal from a shelter, your pet may have an illness or condition that you only discover after you bring him home. The medical bills can become overwhelming and it’s important that you find pet insurance that covers preexisting conditions so that you can get your pet the medical care that he needs.

The truth is, things can get quite dicey when it comes to pre-existing conditions. But there are very few companies will still provide insurance coverage even with these conditions provided their terms are fulfilled. It will be easier if we can explain these things easily.

Curable and Incurable Conditions

First of all, the insurance company will distinguish if the health of your pet can be cured. This helps to provide long-term coverage according to the condition that they may have. Before you sign the documents, it is essential that you understand what the insurance company deems as curable or incurable.

Treatable pre-existing conditions are mostly covered under the insurance coverage if your pet has not shown any symptoms of that condition in 12 months. The treatment will be free after 12 months and this is the best way to get insurance coverage for your pet when he or she has a pre-existing condition.

On the other hand, if the pre-existing condition is incurable and the insurance company declares that it will not be covered under the insurance coverage, then you will not have any other option. But what exactly are the curable and incurable pre-existing conditions?

Curable Pre-existing Conditions

Several curable conditions are allowed by insurance companies in their coverage policy. Any of the recurrences of these conditions will not be included for 12 months from the last date of that episode. Here are some of those conditions given below:

• Urinary infections
• Diarrhea, vomiting, and various gastrointestinal disorders
• Respiratory infections

Incurable Illnesses

Just like curable conditions, several conditions are deemed to be incurable by the pet insurance companies. These will not be included under any circumstance under the pet insurance policy. Following are some of those conditions:

• If your pet has cancer
• Skin lumps or lipomas
• Allergies that don’t go away
• Urinary blockages
• Diabetes
• Hyperthyroidism

If you can’t find insurance, there are other options that may be available. One company offers a veterinary discount plan to help offset the costs. This could be an affordable option. Check around to figure out if you can get this type of discount.

It can be difficult to find pet insurance that covers preexisting conditions. The best thing to do is to get your pet insured soon after it is born. If you rescue an animal from a shelter, this isn’t always possible. Call around and try to find a solution in any case. If you can’t get coverage, many veterinarian offices will accept payments.

When you get a pet, they become a member of the family. You want to make sure that he or she is protected in case of a medical emergency. Finding affordable pet insurance will allow you to take them to the vet without having to agonize over how you are going to pay for it. It may surprise you to know that many people are unaware that there is medical insurance available to help them cover the cost of the vet. It may also surprise you to know that the monthly cost to cover your pet is very affordable.

If you have been a pet owner for any length of time, you know just how expensive an emergency visit to the vet can be. Before you know it, you could owe thousands to save your pet’s life. You have enough on your mind during a situation like this, so having your pet insured can be one less thing to worry about.

If you are thinking that you just can’t afford another monthly bill, just remember how much you will owe if your pet needs medical treatment of any kind. We’ve all seen the rising cost of living in recent years and paying for an emergency veterinarian visit is not easy on the pocketbook.

If you have ever been in the tragic position where you don’t have enough money to save your beloved pet’s life, then you understand what is at stake. What do you do when the vet tells you the bill will be over $1000 dollars and you don’t have it. Some vets will take payments, so wouldn’t it be better to make payments on a monthly basis for insurance that will give you peace of mind.

You might be shocked to know that pet insurance isn’t all that expensive. You can get good coverage from between $15 to $35 a month. Much of it will depend on your pet’s health history, his age, his breed and a few other things. A dog is usually the most expensive pet to insure.

When you are choosing insurance for your pet, some companies will charge co-pays for regular check-ups, while some will not cover regular check-ups and only paying for emergencies. You might also have deductibles to pay for scheduled surgeries and such. Similar to regular health insurance, the lower your deductibles and co-pays, the higher the premiums will be.

Deciding on co-pays, deductibles and premiums are something you will have to check when comparing plans. You have to determine just how much you can pay upfront if there is an emergency, as well as

There are a variety of affordable pet insurance options available and you may get discounts for adding more than one pet on your plan. We all love our pets but sometimes, don’t even realize that we can get medical coverage for them.

If you want to ensure that you can keep your pet cared for in any situation, you definitely want to be sure that you consider pet insurance. Don’t be caught in the agonizing position of not being able to give your pet the medical care he or she needs.