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Can You Get Insurance if Your Pet is Sick Already?

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Can You Get Insurance if Your Pet is Sick Already?

Last Updated on April 25, 2023 by Dogs Vets

Can You Get Insurance if Your Pet is Sick Already?

 

If you have a pet that is sick or has a pre-existing condition, you might wonder if you can still get pet insurance to cover their future medical expenses.

The answer is not so simple, as different pet insurance companies have different policies and definitions of what counts as a pre-existing condition.

A pre-existing condition is any illness or injury that your pet had before you enrolled in a pet insurance plan, or during the waiting period before your coverage starts.

Some examples of pre-existing conditions are allergies, arthritis, cancer, diabetes, ear infections, urinary tract infections and hip dysplasia.

Most pet insurance companies do not cover pre-existing conditions, as they are considered too risky and costly to insure.

However, some companies may make exceptions for certain conditions that are curable or temporary, such as bladder infections, diarrhea or vomiting.

These conditions may be covered if your pet has been symptom-free for a certain period of time, usually between 6 and 12 months, depending on the company.

Some pet insurance companies also have bilateral exclusions, which means that if your pet has a problem with one body part, such as an eye or a leg, the same problem on the other side will not be covered, even if it occurs after you enroll in the plan.

For example, if your pet has a history of cruciate ligament injury in one knee, any injury to the other knee will be considered pre-existing and excluded from coverage.

The best way to avoid pre-existing conditions exclusions is to get pet insurance as soon as possible, preferably when your pet is young and healthy. This way, you can ensure that any future illnesses or injuries will be covered by your plan.

However, if you already have a pet with a pre-existing condition, you may still be able to find some coverage options that can help you with their veterinary bills.

READ:
Enhancing Pet Safety and Comfort During Outdoor Adventures

Some pet insurance companies offer accident-only plans, which cover injuries caused by accidents such as falls, bites or car accidents.

These plans do not cover any illnesses or diseases, but they can still provide some financial protection for unexpected emergencies. Accident-only plans are usually cheaper than comprehensive plans that cover both accidents and illnesses.

Another option is to look for a pet insurance company that covers pre-existing conditions, or at least some of them. There are not many companies that offer this option, but they do exist. For example, Petsure is a UK-based company that offers up to £15,000 vet fees coverage for all pre-existing conditions*, with no compulsory excess or upper age limit.

However, these plans may have higher premiums or lower payouts than standard plans.

Before you sign up for any pet insurance plan, make sure you read the terms and conditions carefully and understand what is covered and what is not.

You should also compare different quotes from different companies and choose the one that best suits your budget and your pet’s needs.

Pet insurance can be a valuable investment for your pet’s health and well-being, but only if you choose the right plan for them.

 

The cost of your pet’s veterinary treatment may even be exorbitant.

Most pet owners love their animal companion like a part of the family, so having to deal with a medical emergency without the money to pay for pet insurance, treatment, and preventative care is a nightmare scenario.

Many pet owners get medical insurance for their canines in the hope that they won’t have to make such a challenging choice.

But is it really that easy? Pre-existing illnesses are they covered by pet health insurance?

Like human health insurance, even the best pet insurance is rather limited and frequently excludes coverage for pre-existing diseases as well as a number of other circumstances you might not be aware of.

Continue reading to learn what pet health insurance covers, what it excludes, and some notable exclusions.

 

Are Pre-Existing Conditions Covered by Any Pet Insurance Policies?

There are few exceptions to the general rule that pre-existing conditions are not covered by most pet insurance plans. It all stems from the insurance company’s definition of pre-existing conditions.

The most typical ailments and problems, whether they are regarded as pre-existing, and how that influences whether they are covered are listed below.

 

What is a Pre-existing Illness in Pets?

A pre-existing health condition is a sickness, ailment, or illness that your pet had before you got health insurance.

Additionally, the great majority of pet health insurance policies do not pay for treatment of pre-existing diseases. The majority of insurance policies also include an initial waiting period.

During the waiting period, which might be several weeks or months, any medical condition that develops is deemed to be pre-existing and is not covered by your just purchased insurance.

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7 Facts You Should Know about the Silver Labrador

This waiting time is in place because medical issues that present gradually may already exist before coverage is purchased but go undetected for weeks or months.

 

What are Bilateral Conditions?

Additionally, your pet’s newly discovered bilateral problems could not be covered. For instance, if your pet has hip dysplasia in one hip, it is a pre-existing ailment that is not covered by recently purchased pet insurance.

Due to the abnormalities in the prior hip, the new hip is regarded as a pre-existing problem if it subsequently develops hip dysplasia despite your pet never having it there before.

If a pet has had orthopedic issues or sickness on one side of the body but not the other, pet parents should be aware of limitations like these before purchasing pet health insurance for their pet.

 

What are Previous Symptoms in Pets?

Additionally, illnesses in your pet that appeared before to coverage but were not identified or treated, or symptoms in one part of the body that recur in the same place, may be considered pre-existing and not be covered by an insurance policy for medical costs.

A gastrointestinal symptom that is ignored as resolved without treatment and later your pet develops a gastrointestinal disorder that the previous symptom is linked to, for instance, may be regarded as an indication of a pre-existing disorder and not be covered.

Another example would be an injury to your pet’s shoulder that later results in orthopedic strain in the same limb.

 

Are There Exceptions to Pet Insurance Policies for Pre-Existing Conditions In Pets?

If a pre-existing condition was “curable” and successfully treated before insurance was purchased, some firms will cover it. In this situation, coverage could be available if the disease reappears.

A successful treatment and resolution of an eye infection would serve as an illustration.

If your pet develops another eye infection after purchasing pet insurance and a suitable amount of time has passed, the second illness may be covered and treated as a new event rather than a recurrence.

If this is the case and if it is a worry for you and your pet, you should carefully review the coverage you are purchasing.

 

Conclusion:

Getting coverage sooner rather than later may be wise since as our canines mature, more and more problems will be labeled as pre-existing.

While some plans only cover medical treatment for illnesses or accidents, others offer basic medical care.

These plans have various prices. Researching the coverage that best matches your requirements and those of your pet is advised because what is and isn’t covered differs between providers and policies.

The following conditions are either covered by certain insurance policies or not:

  • Serious illnesses having a terrible prognosis, such cancer or heart problems
  • Arthritis and orthopedic conditions Allergies
  • Diabetes and other endocrine disorders
  • Hereditary conditions
READ:
The Corman Shepherd Mix - 10 Things You Need to Know

 

 

Questions People are Asking 

 

 

Is it too late to insure a dog?

Progressive Pet Insurance by Pets Best has no age restrictions, so your senior pet can be enrolled at any age. Older dogs and cats are more likely to require medical treatment and may thus incur higher insurance costs.

 

Does pet insurance exclude pre-existing conditions?

 

Typically, pet insurance policies do not cover pre-existing conditions. These are injuries or diseases that occur or manifest symptoms prior to the plan’s effective date or during the waiting period.

 

Is vomiting considered a pre-existing condition for pet insurance purposes?

Here are some instances of typical pre-existing diseases that are treatable: Irritability or diarrhea. Urinary tract or bladder infections. Respiratory illnesses.

 

Can I acquire pet insurance before diagnosis?

Yes! Even without a diagnosis, symptoms that are documented before a pet is insured can be deemed pre-existing conditions. However, it also important whether the symptom indicates a treatable or incurable condition.

 

What qualifies as a pre-existing condition?

A health condition, such as asthma, diabetes, or cancer, that you had prior to the effective date of your new health coverage. Insurance companies cannot refuse to cover your preexisting condition or charge you more for treatment.

 

What types of insurance can be denied on the basis of pre-existing conditions?

Pre-existing conditions, such as asthma, diabetes, or cancer, as well as pregnancy, are no longer grounds for increased premiums or denial of coverage by health insurance companies. Neither can they limit benefits for this condition.

 

What is the duration of a pre-existing condition for pet insurance?

How pet insurance define pre-existing conditions, including the amount of time an illness is considered pre-existing, varies each insurer.

Some policies will enable you to purchase coverage if your pet has not received treatment for the ailment within the prior three months, while others will extend this period to at least two years.

 

Are you immediately insured by pet insurance?

Unless your policy indicates otherwise, you will not be allowed to file a claim immediately after obtaining pet insurance. Typically, you must wait at least 14 days – this is referred to as the exclusion period.

 

Does pet insurance take effect instantly?

The majority of pet insurance providers cover preventive care without a waiting time. Typically, accident coverage begins earlier than illness coverage. Most pet insurance policies provide accident and illness protection within 14 days (although some plans can take as long as 30 days).

 

 

 

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Dog Care Advice

How to Calm a Restless Dog at Night

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How to Calm a Restless Dog at Night

Last Updated on June 13, 2024 by Dogs Vets

Dogs are often referred to as a man’s most loyal friend. They bring you joy in ways no one else can. But how do we take care of them? What to feed them? How to calm a restless dog at night? These are some very common questions that dog parents often have. 

Well, there are multiple ways to help your dog overcome its restlessness. These include making it exercise, giving it a little treat, massaging its back, and giving it CBD.

Understanding how to calm your dog down is vital, especially at night. These simple methods can greatly improve your pet’s mental health. 

 

Why Do Dogs Get Restless?

There can be multiple reasons why your dog might feel this emotion, especially at night. 

Your dog may be feeling some sort of fear. It is very important for a pet to feel that he or she is in a safe environment and can go to sleep without any worries. This generally happens if your dog recently had a scary encounter.

Often, dogs are seen panting only to cool themselves down a bit. So, the temperature at which your pet is located also determines its restlessness. But this painting can sometimes signify something more serious than mere heat.

Another reason your dog might feel restless is boredom or uncomfortable aches. 

Calming your dog down cannot always be easy. Are you not sure how to calm a restless dog at night? Don’t worry; we have you covered!

READ:
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CBD for pets by Weedness offers high-quality CBD oils to enhance your pet’s well-being. Benefits include reduced stress, improved joint function, and overall health. Suitable for dogs and cats, these oils are easy to administer and can be mixed with food. Consult a vet for proper dosage.

 

There are other ways to tackle this issue; let’s discuss them: 

Give a Treat

Treats are always a dog’s best friend. A bedtime snack is always a good option. These small chunks are what make them happy and wiggle their tail.

Your pet will look forward to a snack before bed every night. But don’t try to overcompensate with these treats. Make sure to give them a limit. Your pet should continue valuing those snacks.

Safe Sleeping Environment

Your dog might get anxious at night because it feels unsafe in bed. Your dog must have a fixed place to sleep every night, and a change of bed or room all the time can lead to anxiety for pets. 

Be around your dog as they sleep; this makes them feel safe. It also affects their sleeping pattern, which has a direct impact on their restlessness.

Exercise

 

Being physically active and exercising is as important for dogs as it is for any other human. Your dog must be active during the day to drain their energy and be tired and lazy by the night. 

Take them for regular walks, play with them, and make them play with their toys!

Be Around Your Pet

As pet parents, you must ensure your dog is not alone for too long at a stretch. This way, they end up feeling lonely and might develop separation anxiety. 

When you are around them, they feel safe; they know that no harm can be caused. Be around them as they sleep at night. You can simply set their bed up in the same room as yours, making them feel comfortable and safe. 

READ:
Can Dogs Have Shrimp? A Guide for Pet Owners

Massage

Do you love massages? Are they hug stress relievers for you? Well, dogs have more similarities to humans than you can imagine. They love getting massages as much as you do. Massages play a major role in helping them get over their restless emotions. 

Even a ten-minute massage before bed can do wonders for them. Start with the neck and then find your way down.

Make sure to remember that ling strokes are their favorite!

 

Bathroom Before Bed

A dog might feel extremely anxious if it doesn’t go to the bathroom before bed. Hence, before it starts feeling like it has to go out, you should ensure it already does that before bed. 

This helps them sleep faster and avoid bad dreams.

Same Routine

A regular change in your dog’s routine can be a huge reason for his or her restlessness. Try to keep the dog’s meal timing, bathroom time, and playtime the same every day. Regularly changing the dog’s schedule makes each day unpredictable.

Sticking to the same routine will help them get used to it and know what’s to come next. They should also know their sleep time in advance to avoid nighttime restlessness.

Medication

If none of these methods work well for your dog, you might want to consult a vet. Dogs can sometimes develop anxiety issues like humans, which might have to be treated medically. 

Your vet might prescribe the pet a medication that has to be given every night before bed. 

But, this is generally for older dogs or dogs with specially-abled dogs. Or, it could be because your dog is feeling some physical pain, for which, again, you might have to consult the vet and start your pet’s medication.

READ:
7 Facts You Should Know about the Silver Labrador

 

FAQs

 

Why is my dog restless at night all of a sudden?

There can be multiple reasons why your dog might be feeling restless at night. They could be scared of something, have had a bad dream, or be sick. 

How do I get my dog to stop pacing at night?

The best way to do this is to have a similar routine for the dog every day. Get them used to it so they know what’s next. They should know when they are up for a walk or bedtime.

Why is my dog not comfortable at night?

The most common reasons why a dog might not feel comfortable at night are anxiety, restlessness, dementia, joint pain, etc.

What time should dogs go to bed?

There is no hard and fast rule about when a dog should go to bed. However, it has a similar day pattern, which is more important. Generally, pet owners get their dogs to sleep between 9 p.m. and midnight.

Conclusion

Dogs are as much living creatures as humans are. They face similar emotions as you do. It is very common for dogs to get restless during the night time. Hence, learning to calm a restless dog at night is vital for pet parents. It can be done easily by simply giving them extra time during the night. 

However, they might only need medical aid to control their restless behavior under certain special circumstances. It is usually nothing to worry about, but it is always good to take precautions.

 

 

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Dog Care Advice

Flying with Pets: Tips for Vacationing Safely with Your Dog

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Flying with Pets: Tips for Vacationing Safely with Your Dog

Last Updated on June 11, 2024 by Dogs Vets

When people choose to take their dogs on a vacation, it can be a joyful experience but remember, it needs good planning. As the number of pet parents who bring along their furry buddies for travel keeps increasing, it is crucial to comprehend the rules and factors regarding flying with dogs. 

This blog post will present a detailed guide that guarantees an effortless and secure trip for both you and your furry friend, from handling airline policies to preparing your dog for the flight and looking after them on the flight.

By following these steps carefully, you can make a wonderful travel experience that is free from tension for you and your pet dog.

 

Pre-Flight Prep: Get Ready Before Take-Off

For many travelers, the true joy of a trip lies not just in the final destination, but in the journey itself. This sentiment holds especially true when you have your beloved pet accompanying you. However, to ensure your journey is a positive and seamless experience for both you and your furry friend, some advance preparation is essential. 

First off, make sure you book your flight promptly. While there isn’t a best day to book flights it’s still important to consider how certain flight times align with your timetable and may affect your dog’s state.

READ:
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If you can, select direct flights because they cut down on stress for both of you by decreasing travel duration and exposure to new surroundings. 

Usually, fewer people travel during the weekdays, which makes it more peaceful for dogs who might be sensitive or anxious around crowded situations. Also, consider the heat. You should not plan flights for your dog in the cargo hold during very hot summer or extremely cold winter months because conditions there can be harsh.

By employing a well-considered approach to booking flights, significant cost savings can be achieved. These financial advantages can then be allocated to support your travel budget, thereby enriching your overall experience at the chosen destination.

 

Check Policies on Pets

Know that each airline has its own way of allowing pets to fly. Learn about the fees they charge for pets, how big or heavy a pet can be for in-cabin or cargo hold travel, and what documents are required. Also, look at the rules about bringing pets into the country you are going to.

Before you start your travel, make sure your dog sees their vet first. Schedule a visit to the vet, ideally one month before traveling, to update all required vaccinations and discuss concerns related to flying on an airplane. When everything checks out, think of the carrier options

READ:
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Choose a carrier that’s comfortable and safe for your pet, as well as promotes airflow during the flight. Also, look for one that adheres to the size regulations of the airline and allows your dog to stand up, move around comfortably, and lie down. Consider placing some familiar bedding or a loved toy inside so it feels secure when traveling.

 

Navigating Airline Size and Weight Restrictions

When it comes to bringing your dog on a flight, the key factor to consider is whether they can fit comfortably in an airline-approved carrier that can be stored under the seat in front of you.

Most airlines have a general weight limit of around 20 pounds for in-cabin pet travel. However, it’s important to note that the exact dimensions of the under-seat space can vary depending on the aircraft type. 

Tips for Vacationing Safely with Your Dog

Airport Day Essentials: A Stress-Free Departure

Often, airport security lines and pet check-in procedures can take quite some time. Make sure to arrive at the airport at least two hours before your flight starts so you have a relaxed and hassle-free experience.

 

  • Hydration is important: Keep away food from four to six hours before the flight, but give small amounts of water so your doggo doesn’t get dehydrated. Airlines usually have water bowls inside the pet section in the cargo area, but still think about using a no-spill travel dish for pets when flying in-cabin.
  • Smells and comforting things: Put an old shirt or familiar blanket that has your smell in the carrier to induce relaxation during the flight. Do not add new toys or snacks because they can upset the stomach.
  • Pre-board with ease: You can ask for early boarding, which lets you prepare your dog in the carrier before more people come. It could assist in reducing stress when boarding.
  • Stay relaxed and confident: Animals can sense nervousness, so make sure you stay calm and confident. Take deep breaths, feeling comfortable yourself while focusing on providing comfort to your pet.
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The Wrap-Up

Dogs can become weary from traveling. Give your dog plenty of rest and allow time for them to get used to the fresh surroundings. Keep their routine similar, especially with meals and walks. Now that you’ve arrived at your destination, it’s time for you and your pooch to create lasting memories.

When you apply these suggestions and arrange things in advance, a safe and pleasant flying journey is possible for your dog and yourself. 

 

 

 

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Dog behavior

Train Your Pet Like a Pro: Insider Secrets for Effective Training

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Train Your Pet Like a Pro: Insider Secrets for Effective Training
Train Your Pet Like a Pro: Insider Secrets for Effective Training

Last Updated on June 7, 2024 by Dog Lover

Train Your Pet Like a Pro: Insider Secrets for Effective Training

PET TRAINING
5 min read
Unleash pro pet training tips and techniques to tackle all types of pet behavior. Train like a pro!

Effective Pet Training Methods

Hey there, fellow pet lover! Training your pet can be a game-changer for both you and your furry buddy. With the right approach, you can teach your pet to behave like a champ while steering them away from those pesky habits.

Let’s dive into two super effective methods: positive reinforcement and keeping things consistent.

Positive Reinforcement Training

Positive reinforcement is like the magic wand of pet training. It’s all about rewarding your pet for doing something right, making them want to do it again. Think of it as giving your pet a high-five with a treat or a toy.

The trick is to reward them right away—like, within seconds—so they know exactly what they did to earn that reward.

You can use positive reinforcement to teach commands and encourage good behavior. Just be careful not to accidentally reward the wrong actions. Sometimes, you might need to break down the behavior into smaller steps to get the result you want (Humane Society).

Why is positive reinforcement better than other methods? Well, using punishment or negative reinforcement can make your pet scared or anxious, and nobody wants that.

You can use all sorts of rewards—treats, toys, or even just a good belly rub. These rewards help your pet connect the dots between the command and the action (Quora).

READ:
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For more tips, check out our positive reinforcement training guide.

Consistency in Cues and Rewards

Consistency is your best friend when it comes to pet training. Using the same commands and rewards every time your pet does something right helps them understand what you want.

For example, if you’re teaching your dog to sit, always use the word “sit” and give them a treat right after they do it. This way, your dog learns that “sit” means plopping their butt down and getting a treat.

The more consistent you are, the faster your pet will catch on. It’s like learning a new language—repetition is key. For more training tips, check out our general pet training guide.

So, there you have it! With positive reinforcement and a bit of consistency, you’ll have a well-behaved pet in no time. Happy training!

Back to School Training Tips for Your Furry Friends

Training Tips for Your Furry Friends

Every pet has its quirks, especially when it comes to training. This is super true for older and senior dogs, who might need a bit more TLC due to their age and physical limits.

Training Older Dogs

Yes, you can teach an old dog new tricks! Training can keep their minds sharp and spirits high. But, you gotta match the training to their physical abilities.

According to McCann Dogs, older dogs thrive in low-key, low-impact classes like rally, obedience, scent work, or tracking. Agility can work too, but keep jumps and impacts gentle.

Watch their energy levels. Older dogs might still be game for learning and playing, but they tire out faster than the young pups. Overdoing it can lead to soreness or fatigue. Keep an eye on how they respond and tweak the training time and intensity as needed.

Training Senior Dogs

Senior dogs have their own set of challenges, like declining vision or hearing. Adjust their training environment to keep things comfy and safe. Focus on fun and bonding activities that your senior dog enjoys. Avoid stress or demands that could strain your relationship.

READ:
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Training should be about having a good time together. These golden years can be some of the best times you share. Patience, understanding, and a positive vibe are your best tools for successful training.

For more tips on pet training, check out our general pet training resources. You can also enroll in online pet training courses or pet obedience classes for personalized help from a professional pet trainer.

Tackling Pet Behavior Problems

Training your pet isn’t just about teaching tricks. It’s about understanding their quirks and figuring out how to handle behavioral hiccups.

Let’s chat about two biggies: dominance in dogs and aggression in pets.

Dominance in Dogs

Dominance in dogs is all about who’s the boss in their social circle. Some dogs like to take charge, and this can be influenced by their personality, age, breed, and even the situation they’re in.

But hey, dominance doesn’t always mean your dog is aggressive. Sometimes, it’s just them being a bit stubborn or pushy, a throwback to their pack animal roots.

To keep dominance in check, use positive reinforcement and stick to the rules. If things get tricky, a professional pet trainer can be a lifesaver.

Handling Pet Aggression

Aggression in pets can pop up for different reasons. Maybe it’s a dominance thing, or maybe your pet feels their space is being invaded. Growling or snapping at strangers?

That’s a sign they’re not feeling secure. Building a strong bond with your pet and making them feel safe can nip these issues in the bud.

Common causes of bad behavior? Wrong punishments and inconsistent training. So, make sure you’re using the right training methods and sticking to them.

Patience is key here. Fixing these issues takes time and understanding. For more tips, check out online pet training courses or join pet obedience classes.

READ:
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pet training

Practical Tips for Successful Training

Training your pet can be a blast and a great way to bond. Whether you’ve got a dog, cat, or even a fish, some tips work across the board. Let’s dive into some practical advice for making pet training a success.

Key Commands for Dogs

According to Petmate, the top 10 commands that make life with your dog smoother are: Come, Sit, Down, Place, Stay, Heel, Kennel, Leave it, Drop it, and Watch me.

The secret sauce here is consistency and regular practice. For a deeper look at these commands, check out our basic obedience commands page.

Positive reinforcement is the name of the game. Reward your dog every time they nail a command until they get the hang of it. As they get better, you can ease up on the treats. This way, they associate good behavior with good things happening.

Starting Early and Repetition

Experts say start training in a quiet room with no distractions. Use a clicker if you need to, have treats and toys handy, and decide on your verbal cues and hand signals. Patience and consistency are your best friends here.

For puppies, start as soon as you bring them home. Basic commands like sit and stay can be taught as early as 8 weeks. For adult dogs, start training right away to build trust and make them feel at home.

Repetition is key. The more your pet practices, the better they’ll remember. Combine this with positive reinforcement, and you’ve got a winning formula for shaping your pet’s behavior.

Follow these tips, and you’ll be on your way to a well-trained pet. Whether it’s a puppy, an older dog, a cat, or even a fish, patience and consistency are crucial. Happy training! For more info, check out our general pet training page.

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