Coverage of Long-Lasting Conditions

What are uncurable chronic illnesses in pets?

Chronic conditions in pets are illnesses that last a long time, in most cases for the remainder of their lives. The older a pet grows, the more likely it is to develop such a disease.

For instance, some common, chronic diseases in pets include liver disease, arthritis, cancer, diabetes, and kidney failure. It is possible, though, that young pets develop certain chronic illnesses as well, such as skin allergies or epilepsy.

Pet insurance firms and long-lasting conditions

The last thing you want to happen is to have your pets insured while they are healthy, and then, when they develop a long-lasting (chronic) condition, to discover that your insurance company does not cover their much needed, very expensive treatments.

In this sense, the table below might help when choosing a pet insurance company that covers long-lasting conditions.

As stated in the table above, Trupanion does not make mention of cancer being covered, except for lymphoma, which is something you have to be careful about, since some pet insurance companies consider this illness to be a preexisting condition.

Even though it offers a customizable, per-condition deductible for the rest of the pet’s life, this may not be the right choice if you have a purebred pet that you know is prone to certain hereditary or congenital conditions. What you end up owing the vet in per-condition deductibles over the course of a year may come out to be more than what you would pay another company for a single, yearly deductible.

When it comes to the yearly payout limit, which is the maximum amount the insurance company will reimburse a parent per year for vet treatments, Embrace, with a maximum of a $30,000 yearly payout cap is definitely the right choice if you know your cute pal is prone to developing long-lasting conditions that often cost up to tens of thousands of dollars to cure.

Mind you, it is extremely important to get a clear idea of what this company defines as preexisting and if conditions that were developed in a certain enrollment year are considered to be preexisting in the following one.