Pet insurance is a game-changer when it comes to protecting your fur family and your finances, but what about pre-existing conditions? If your pet has a health issue before getting insured, will it be covered? Let’s break it down.
Pre-Existing vs. Hereditary Conditions
A common misconception is that hereditary conditions are the same as pre-existing conditions.
- Hereditary Conditions: These are genetic conditions passed down from a pet’s lineage, such as hip dysplasia in large dog breeds or polycystic kidney disease in Persian cats. Hereditary conditions don’t only impact on purebreds. Mixed breeds and “pavement specials” are at risk too.
dotsure.co.za offers cover for hereditary conditions on certain plans. Find out more here: HEREDITARY CONDITIONS: IS YOUR PET COVERED?
- Pre-Existing Conditions: As mentioned above, this is any condition your pet was diagnosed with or showed symptoms before being insured. Pre-existing conditions are typically not covered. If the pet is diagnosed with hereditary conditions prior to the inception date of the policy, it's not covered as it is seen as a pre-existing condition.
Why Pet Insurance is Still Worth It
Even if your pet has a pre-existing condition, insurance can still provide valuable cover for future illnesses, accidents, and emergency care. With Accidental cover, your pet can live their best life and explore to their heart's content! Our Accidental Plan covers veterinary expenses incurred for the diagnosis and/or treatment of your pet’s accidental injury. Plus, Our Vital Plan covers 50% of illnesses, while our Elite Plan offers 100% cover, taking the bite out of vet bills!
Our advice is that the sooner you insure your pet, the better! Get a quote today and ensure that your furry friend is covered for life’s surprises.
