Can you get pet insurance when your pet needs surgery and will they pay for it?
Pet insurances will only cover “new” illnesses or injuries. It will also exclude injuries or illnesses that are caused or related to your pet’s pre-existing condition.
The same goes for “preventable” medical conditions such as pregnancy. If your pet gets pregnant before (and in most cases, even during) the effectivity of the policy, it is not payable under your medical insurance benefits.
Your pet’s surgery will not be paid by the insurance. Because this injuries are already part of your pets’ pre-existing condition and it is automatically won’t be included in the pets’ policy and your pet won’t be able to have these policy benefits.
Pet Insurance in Case of a Surgery Requirement
If your pet has a curable illness , the insurance companies can evaluate and determine whether that sickness can be reinstated and included in the coverage of the policy.
For this, you need to prove (with a confirmed medical reports and records) that that illness or injury has not recurred for a specific period.
Unfortunately If your pet’s needs surgery and it has medical reports and records for this or if these appear when you apply for insurance , These operations won’t be covered by the policy. This includes diseases such as skin lumps, orthopedic injuries, allergies and cancers.
Because of this It is highly recommended that you get your pet insured before it does not have any illnesses. In this way , when your pet does get sick or need surgery, the insurance company will pay for it.