Pet Protection
' Existing conditions' are a rare reason why pet insurance claims are suspended, and the so-called 'existing conditions' refer to symptoms that have been present before the owner takes out the insurance or before the pet insurance becomes effective, or The disease has been diagnosed before. Moreover, different pet insurance companies have different definitions of "pre-existing conditions", so before purchasing insurance, be sure to read the company's policy sample or ask the insurance company's sales representative for more information.
If you want to buy pet insurance, it is best to buy one before all detectable problems and diseases occur. This will reduce the chance of your claim being interrupted due to pre-existing conditions. However, most pet owners often become interested in purchasing pet insurance only after their dogs have problems and go to the hospital repeatedly.
In the process of applying for pet insurance, you often need to answer some questions about your pet's pre-existing conditions. You must answer these questions completely and honestly. Deliberately misleading the insurance company about your pet’s pre-existing status will be considered fraud, and the punishment may be that the insurance will be revoked, or the more serious one may be fined or even imprisoned. Depending on your answers to these questions, the insurance company may give your pet a policy that does not eliminate all circumstances, or they may ask you to provide further information and/or ask for your pet's coverage for the past 12 to 24 months. of conditioning records.
Even if you are not required to provide medical records in your application, you will likely be required to provide medical records when you first file a claim. Even if you forget to mention some past problems with your pet when applying, when the company checks your past treatment records, these items are still obvious evidence, and the company will treat them as pre-existing conditions and eliminate the liability for compensation. .
Therefore, during the application process, it is recommended to ask the insurance company whether they will tell you what kind of insurance company you are applying to, and if they will tell you in a written report what kind of insurance company you are applying for. Pre-saved contexts are not protected. At the same time, the window period for pre-saved contexts isIt also needs to be understood carefully. The vast majority of insurance companies will accept such a request, and this request is very necessary because it can avoid unexpected troubles. If you spend months or even years paying high insurance premiums, but when an accident occurs in the end, the claim is rejected by the insured company for the reason of "pre-existing conditions", it is not worth it. Often, when purchasing insurance, the insurance company will ask for a copy of the pet's care record to be reviewed.
Their goal is to protect and analyze the pet's pre-existing health problems in order to understand all problems that may be classified as "pre-existing conditions". If one or more circumstances are eliminated by the insurance company, and you choose to stop continuing to purchase insurance and make no claims, you can cancel the insurance and receive a corresponding amount of compensation.
Another benefit of accessing pet health records is that during the review process for your first claim, any situation evaluation and corresponding compensation can be available Win the cutoff quickly. If the pet is older when applying for insurance, insurance companies often ask for medical records and even require physical examinations and even tests on the pet in order to protect the pet from chronic diseases that are not covered by the insurance policy.
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