Will pet insurance cover a ectopic ureter problem?

Question

just got an 8 week westie puppy, one of the vets we took him to thinks he has an ectopic ureter but performed NO test to be sure. We are going to another vet, my question is.. if i purchase pet insurance for him will they cover that problem since it is under the congenital disease category. thanks!

Answer 1

Pet insurance isn't true insurance.  There isn't a standard form.  And it's not regulated.

You're going ot have to read each policy, to see if any of them will cover - and if they DO cover, how much they'll cover.

Answer 2

I believe most reputable pet insurance companies are state-regulated.  Check the website of your state of residence to be sure.

It's likely that if you know of a problem, that your policy (if your purchase one) will either have an exclusion of a pre-existing condition -- or it will have a waiting period in which you won't be covered.

It's really important to find out before you sign up if your intended policy will actually cover what you are concerned about.  I would be frank with them and see what they say before buying a policy.  Perhaps, since you do not have a diagnosis yet, it would not be considered "pre-existing".  This would definitely be worth a phone conversation with companies you're interested in before purchase.

Answer 3

You'd have to read the policy and/or talk to the company that offers it. Without seeing it, nobody here could answer your question with any certainty.

Answer 4

I would think if you already purchased this "pet insurance".

To go out after the diagnoses and buy it now is I feel to late, but give it a try. Ask questions.....