Want the best pet insurance? Do not apply this 3 times

Pet insurance can be a valuable and cost-effective financial protection for owners as they provide robust care and treatment for their beloved pets. Pays an insurance provider monthly (or annually, if you prefer discount), owners can secure coverage for a wide array of vet visits, treatments and even some medications. Based on the provider and type of policy owners can get compensation Up to 90% of their pet’s medical care (and for some Other benefits are amazing)

That said, pet insurance is like any other financial product or service in that the timing needs to be right to get the most value. You don’t want to wait too long to get your dog or cat insurance but you also don’t want to start too early and end up paying for a policy you don’t need and won’t use. There are some though Good time to apply for pet insurance There are times compared to others where it is better for owners to rework to guarantee approval of their application.

At this point, below we’ve listed three times owners should avoid applying for pet insurance as well as three alternative times to apply. If you’re considering pet insurance, get started by getting a free price quote to learn more.

Avoid applying for pet insurance during these three times

Here are three alternative times to skip applying for pet insurance and pursue a policy instead

When your pet is older

There is nothing wrong with getting pet insurance for one old dog Or cat it can often still be worth it and it’s better than keeping your fingers crossed and paying out of pocket. But if you’re an owner looking for the best and most comprehensive pet insurance plan, you’ll want to apply instead when your pet young. Generally the younger the better.

A young dog or cat is naturally a healthy dog ​​or cat. Because of this, these animals will typically be given more comprehensive care at a lower price point than their older counterparts. Every birthday that your pet needs care and insurance will make it risky. That risk is then passed on to the owner in the form of higher monthly or annual premiums.

Apply instead: When your pet is young and healthy.

Get a free pet insurance price quote here and learn more.

When your pet is sick

You don’t want to wait until your pet is sick to pay for pet insurance. Although the application and approval process is generally simple, there is a mandatory waiting time Most insurers follow which will prevent insurance from automatically becoming available. It usually lasts 14-15 days depending on the provider. So if you wait until your pet is sick, you won’t get financial support by paying a policy for at least two weeks.

“The 15-day waiting period, which begins the day after you enroll, is a specified period before your coverage begins and you can be paid for claims,” Brought to you by the dodo Explains “We cover injuries and illnesses that occur after the waiting period is over. Any claim you submit during the waiting period will not be covered. Any injury or illness that occurs during the waiting period will be treated as a pre-existing condition, meaning It will not qualify for coverage,” notes the insurer.

Apply instead: When your pet is healthy and the need for coverage is not urgent.

When your pet has a pre-existing condition

One important way that pet insurance differs from health insurance for humans is in its approach Pre-existing medical conditions. When it comes to pet insurance, these issues simply won’t be covered. Or you have to wait until they are completely clear

“A pre-existing condition is any injury or illness that occurs or presents symptoms before coverage begins or during the waiting period.” Spot pet insurance Explains that “a condition is considered pre-existing whether or not it has been formally diagnosed or treated; what matters is when it occurs or when symptoms first appear.”

But, Spot notes, pet owners who fall into this category still have options.

“However, with a plan offered by SPOT, this does not mean that the condition cannot be covered in the future if it is curable,” they explain. “An injury or illness that is curable, incurable, and free of treatment and symptoms for 180 days, excluding knee and ligament conditions, will no longer be considered pre-existing. If a knee or ligament condition occurs before the coverage becomes effective date or waiting period, Any future ones will not be covered.”

Apply instead: Before the pre-existing condition arises – or after the conditions in question have been cleared in accordance with the direct provider’s terms and conditions.

Check pet insurance prices here now to know more.

Bottom line

Pet insurance is a great and effective way to protect both your pet and your wallet. To get the most value from a plan, however, knowing when not to apply is just as important as knowing when to apply. Namely, avoid applying for pet insurance if your pet is older (younger pets are better, cheap coverage options). You should also act before they get sick (since the wait time can otherwise be problematic) and before any troubling medical conditions arise (since insurance companies won’t cover pre-existing conditions). If you can apply outside of these three situations, you’ll greatly improve your chances of getting approved for comprehensive and affordable coverage.

Learn more about your pet insurance options here now.