Pet Insurance: The Sooner, The Better!

You might think that pet insurance is a luxury, or only something that you’d need for an animal companion who is older, or who has an illness.

But this is precisely the reason you should get your cat or dog enrolled as early as possible. If you wait for them to develop a troublesome illness or ailment, it would be considered a pre-existing condition. You’d still be eligible for pet insurance, but your policy wouldn’t cover any costs of treatments related to that specific condition.

We’ll break down how signing up for pet insurance sooner rather than later can help save you money in the long run.

Pet insurance in action

The truth is, over the course of a pet’s life, they are bound eat something they shouldn’t, experience a UTI, or break a bone. While these issues are totally treatable, these trips to the vet aren’t cheap, and these incidents can sometimes rear their ugly heads down the line, which might require follow-up treatments and procedures.

For example, let’s say your rambunctious 3-year-old lab fractures their femur at the dog park, requiring an x-ray, a cast, and pain medication. If they already have a base Lemonade accident & illness policy, not only are they covered for treatments, procedures, and medications today—they will also be covered if, let’s say, they require surgery on that same leg in a few years when the fracture doesn’t properly heal.

Now, here’s the real kicker.

If the lab’s owners waited until after he broke his leg to get coverage, any treatments related to the incident (like surgery) would be considered a pre-existing condition, and therefore wouldn’t be covered.

No policy will cover costs associated with care for a health issue your pet already has. You won’t be denied coverage altogether, you just won’t be able to get reimbursed for treatments related to the pre-existing condition.

Getting your pet hooked up with coverage ASAP helps to maximize their coverage and your savings.

Set your new pet up for life with Lemonade pet insurance. Get a free quote today!