Cover for existing condition

Jem8472

Wonder if anyone can help.

Our cat has an existing bladder condition which she had to have surgery for back in 2011. She is prone to bladder stones and one got so bad she had to have an operation to have it removed.

Her pet insurance is up for renewal and I wondered whether anyone new of any insurance company that will cover against pre-existing medical conditions?? She has been fine for a long time, as we now have her on a special diet, but it's just in case her condition does flare up again.

Many thanks

gettingready

Nobody will cover for pre existing condition I am afraid, better stay with the insurance you alrady have.

Jem8472

How about this cover for life that I am looking at?? I googled pet insurance for pre-existing conditions and it gave me some companies that seem like they would cover??

gettingready

Pre existing conditions are never covered if you take a new insurance, sorry.
Perhaps you are not understanding what they have written on their pages, often in a small print.

Why do you wnat to change the current insurer?

Jem8472

Well, it's just to try and get the monthly payments down. Do you think it would be worth ringing my current insurance company and ask if they will cover her condition? They have already paid out once

gettingready

If you continue with your current insurance and do nto break the payments, of course they should cover.

What exactly are you asking? I am a bit confused now to be honest.

Your pet is insured, the current insurance already paid for a medical condition the pet suffers from, you continue the same cover (just go with reveval) and you have no problem.

You do have a problem if you change the insurer as nobody will cover anything related to the previous condition.

skintandscared_2

I think I would ask myself whether I could afford to pay for the treatment if I switched insurers, the condition wasn't covered and it flared up again. And would that cost be significantly lower than the difference in premiums if you switched? It may depend how old your cat is. Seeing as you say your cat is "prone to bladder stones" I think I would stick with my current insurer to be honest. A switch to save a few pounds a month could end up costing a lot more.

I am paying a little more for a lifetime policy with PetPlan but I'm hoping that scenarios like this make it worth it.

krlyr

gettingready wrote: »

If you continue with your current insurance and do nto break the payments, of course they should cover.

What exactly are you asking? I am a bit confused now to be honest.

Your pet is insured, the current insurance already paid for a medical condition the pet suffers from, you continue the same cover (just go with reveval) and you have no problem.

You do have a problem if you change the insurer as nobody will cover anything related to the previous condition.

Depends on the policy, if OP had a 12 month policy then a condition from 2011 would no longer be covered.

OP, as said, you won't find cover for a pre-existing condition. I'm sure you wouldn't pay any more for the policy than you'd pay your vet for the treatment, so there's no incentive for an insurer to offer to covet a condition that they know will make them no profit.

Your options are to remain with the current insurers, if you're covered for the condition under that policy, or consider switching insurers and decide if the savings will offset the potential cost of covering treatment for the bladder condition out of your own pocket. Sometimes the latter pays off, but it can be a gamble if the condition has the potential to require costly treatment.

gettingready

Depends on the policy, if OP had a 12 month policy then a condition from 2011 would no longer be covered

Oh yes, of course, did not think this may be the case asall my lot have lifetime policies. Thanks for reminder/.