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3 of the best times to buy pet insurance

Pet insurance can be valuable to have at most stages of your pet’s life.

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Pet insurance offers millions of owners a unique opportunity to protect both their pet and their bank account. In exchange for one minimum fee to a provider each month, dog and cat owners can rest assured that their beloved pet has guaranteed medical care – and that they will have the financial support to weather any emergency or illness.

Because pet insurance is not as well known as more traditional insurance such as health, to live and car insurance, owners may not know when to sign up with a policy. But as with those other types of protection, there are better times to find a cost-effective and reliable plan than others.

If you are considering pet insurance, then start with a free online quote so you know exactly what to expect.

3 of the best times to get pet insurance

Pet insurance can be valuable to have at most stages of your pet’s life. But if you want to get the most out of your investment, it pays to take action at one of these three moments:

If the pet is young

A young pet is less likely to have serious health problems than an older pet. That relatively low risk will be reflected in lower premiums to be paid each month.

“Younger pets usually cost less to insure than older ones, and since certain breeds of dogs and cats are prone to various medical issues, the breed of your pet can affect your price as well,” pet insurer Fetch by The Dodo notes. “Where you live also plays a role, as the cost of veterinary care varies from place to place.”

While it may be too late to change things like breed and location, you can still take action to get a policy now that your pet is as young as it will ever be.

You can easily start checking prices online now.

If the pet is healthy

The pet insurer will not cover your pet’s pre-existing conditions, so it pays to get a policy before these problems arise.

“A pre-existing condition is any injury or illness that occurs or shows symptoms before coverage begins or during a waiting period,” pet insurance company Spot explains on their website. “A condition is considered pre-existing regardless of whether it has been officially diagnosed or treated; all that matters is when it occurred or the symptoms first appeared.”

“A pre-existing condition is anything that happens before you enroll or during the waiting period,” Fetch from The Dodo explains. “Like other providers, we don’t cover pre-existing conditions.”

So if you want comprehensive coverage at a reasonable price, it pays to get a plan quickly, before nasty health problems arise.

However, if your pet has pre-existing conditions, there may be another time to act.

After a pre-existing condition disappears

If your furry friend hasn’t cleared the window of pre-existing conditions — and you can afford to wait — hold on. That’s because some pet insurance providers will eventually provide coverage if an ongoing health issue is resolved.

“However, with Spot plans, this does not mean that the condition cannot be covered in the future if the condition is curable,” they explain. “An injury or illness that is curable, healed and free of treatment and symptoms for 180 days is no longer considered pre-existing, with the exception of knee and ligament disease. If a knee or ligament disease occurs before the coverage takes effect date or during a waiting period, any future ones are not covered.”

Lemonade pet insurance goes one step further by making it clear which conditions are and are not covered.

A cured condition is a temporary condition or injury that has been resolved for at least 12 months and may be eligible for coverage in eligible states (contact customer service to find out if curable conditions are covered in your state ),” the pet insurance company notes. “Knee or ligament disorders and chronic conditions such as allergies, asthma or cancer have no cure.

Answer a few simple questions online to find out what coverage your pet can get right now.

it comes down to

While pet insurance can be valuable at many stages of a pet’s life and each pet’s individual circumstances vary, there are generally better times to get a policy than others. So if your pet is young, healthy or fully recovered from an ongoing health problem, it probably makes sense to act quickly.

Start now with a free quote online.

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