Lemonade Pet Insurance Waiting Period - What pet health insurance covers How to avoid surprises when it's time to pay your next pet bill.
Months ago your muscles were twitching from back pain or wisdom teeth, but panic sets in when your dog or cat starts making noises you've never heard before. That's what pet health insurance is for - when you're worried about what a hairball might be, you can rest easy knowing that your next stressful emergency vet visit won't cost you an arm and a paw.
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A basic pet health insurance policy provides coverage for medication or treatment for emergency illnesses or accidents caused by your pet. Even if you take good care of your pet, you can't predict what will happen as they grow - some conditions can develop and worsen quickly, and no matter how old your pet is, accidents can happen at any time.
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But we're not here to rip you off, and we certainly don't want to stress you out about your pet's health…
We've found what is covered in your pet health insurance policy and, in this case, what isn't covered. That way, there will be no surprises when it comes time to pay your next pet bill or submit your next pet insurance claim.
A waiting period is the amount of time your pet insurance company requires your pet to wait until payment is made for a certain condition. Once you activate your dog insurance policy, there are three different waiting periods to keep in mind before making a claim:
This waiting period starts on the first day of your policy, and your insurance company will pay your claim only after the waiting period is over.
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Pre-existing conditions refer to any illness or health problem your pet developed before your appointment. It doesn't mean that pet insurance companies won't insure your pet, but it does mean that your plan won't directly cover the costs of having your pet diagnosed or diagnosed before a pet insurance policy is issued.
For example, if your cat Anastasia has allergies, you will want to fill the prescription as soon as possible to get the relief you need. Those sneezes may be cute, but the cost of your monthly prescription is less attractive. If Anastasia had cat insurance before she developed allergies, your pet insurance company will send you a payment.
That's why it's so important to get insurance before you search, especially when it comes to your pet insurance plan.
Many pet health conditions you don't hear about before they suddenly become part of your pet, and bipolar conditions are one of the more confusing conditions. These conditions are covered as part of your pet's health insurance, but only if there is no mention or indication of them elsewhere in your pet's body (especially those noted in your pet's medical records). How is it different from any existing situation?
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A bilateral condition is anything that can affect both sides of your pet's body. Things like cherry eyes, cataracts, hip dysplasia or a luxating patella all count, and if one side of the body shows bilateral symptoms before your policy starts, your pet won't be covered if the condition affects the other side. .
So if your Havanese, Casper, developed glaucoma in his right eye before he got dog insurance, it wouldn't be covered because the disease is considered a pre-existing condition. If you get pet insurance and two years later he develops glaucoma in his left eye - that won't be covered.
A basic pet health insurance policy covers your dog or cat for:
If you choose a basic policy and need it for anything other than an accident or illness, you may not be covered.
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However, if you need coverage for more of your pet's health and safety needs, there are many options for customizing your coverage.
It offers a prevention package, which includes items you may have already paid for: your pet's annual health check, heartworm or FELV/FIV test, up to 3 vaccinations, parasite or fecal test and blood test.
There is also a Prevent+ package that covers heartworm/lice treatment and regular dental cleanings in addition to what is included in the basic preventative.
We also have a puppy/cat immunization package for pets under 2 years of age, which includes spaying and neutering, microchipping and many vaccinations.
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Plus, Pete offers five extras that you can mix and match with your guide. Here are some things to help cover:
If you and your dog are planning to shed a few pounds this winter, don't expect your puppy's prescription nutritional foods and supplements to be covered under your pet health insurance policy (just like your new menu probably isn't covered by your human health insurance).
Are you going on a long trip and want to put your pet in a daycare or boarding center? Unfortunately, your pet's health insurance may not cover these costs. It's the same with any exercise. While obedience training is an important step in teaching your puppy healthy behavior, it is not covered by your insurance.
This is what pet health insurance policies say about negligence and inadequate care. We don't like this part because it makes us think they don't really care about pets, and we hate to make you think we're suggesting you do.
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But it is important to know that the condition can be prevented even if the mother of the pet takes good care. The good news is that it's "preventable," which means you can do something to keep your pet healthy and safe!
If your dog continues to develop an eye infection after running through the same bushes in your yard, you may want to invest in dog goggles (yes...real dog glasses). Your policy describes this as a recurring condition, and is not covered. But at the end of the day, we know you'll do everything you can to avoid this condition to keep your hair safe and healthy.
It should also go without saying that any injury or illness caused by fighting, racing or assault is not covered. If you see suspected animal cruelty, call your local animal control agency or 311 if you don't know your local agency. (Now we're in the mood again.)
In most states, a claim must be filed within 180 days of treatment to be eligible for reimbursement. You can check your policy for details. If you file a claim for a drug prescribed more than 180 days ago, it may not be covered.
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Once you have all the necessary materials, such as your vet's information and receipts to pay for your pet's care, you can submit a claim through our app whenever you're ready.
Note: If you have a pet policy in Texas, you have 90 days to file a claim after treatment.
"Alternative medicine" is a broad term that refers to many types of non-traditional treatments such as CBD and aromatherapy. Although your pet may benefit from such generic medications, don't expect them to be covered by your insurance.
Things like acupuncture, chiropractic care or hydrotherapy may be considered "alternative therapies" and may not be covered under some pet health policies as part of basic accident and disease coverage. A CBD-infused lavender essential oil diffusing treatment to help your dog's anxiety is sadly lost. (But it looks cool!)
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Maybe your dog is the most popular person at the dog park. Maybe your cat loves to roam the yard and has made friends with other felines in the neighborhood. We love Social Butterfly! But it is important to know that the policy you buy for one pet does not provide coverage for your pet companion.
A multiple pet discount is available if you have more than one cat and/or dog in your household (available in 33 states). If you set up your furry family with more than one pet, you get a 5% discount on each policy.
Remember that your pet policy is designed to provide coverage for your pet, which benefits you as a pet parent. This means that your pet must be in your care and reside primarily at the address listed on the policy for the cover to be valid. A general rule for all insurance policies – always contact your provider if you change your address.
So now that you're an expert on everything a pet insurance policy doesn't cover, we hope you think it's worth it. ready? Follow the on pink button
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