I've adopted an older pet that already has pre-existing conditions. What should I know?

Welcoming an older pet into your home is incredibly rewarding, though it does come with some extra considerations due to their age and potential pre-existing health issues. Here’s how you can be best prepared to ensure they enjoy their golden years with you: 

Understanding Pre-Existing Conditions: Pre-existing conditions are based on your pet's medical history. If your pet has shown symptoms, been diagnosed, or was treated for a condition before your new insurance policy’s exclusion period ends, it is considered a pre-existing condition. While Petsy Pet Insurance won’t cover these conditions, it can still provide a safety net for treating any unexpected injuries or illnesses that arise. 

Healthcare costs: Older pets generally require more frequent vet visits, medications, and special diets, which can lead to higher healthcare expenses. Dogs are usually considered seniors by age 7 and cats by age 11. Insuring an older pet tends to be more costly than insuring a younger one, so it's best to start as early as possible. Petsy Pet Insurance offers new policies for pets up to 9 years old. 

Customising your policy: If you insure your pet before they turn 9 years old, your coverage will continue even if they develop chronic conditions. Petsy Pet Insurance allows you to customise your policy with options for annual limits, benefit percentages, and annual excess choices to suit your budget. 

Benefits of pet insurance for older pets: Petsy Pet Insurance can cover 80% or 90% of eligible veterinary costs, making it easier to afford necessary treatments and medications. This helps you budget for pet care and ensures your pet gets the care they need without financial stress. It can also help to prevent having to make difficult decisions due to financial constraints. 

As pets age, they often require more medical care, which can be a challenge for pet parents. Veterinarians can provide various treatments, but a pet owner’s ability to afford these treatments can sometimes limit what can be provided to the pets. Pet insurance acts as a financial cushion, helping pet owners to handle unexpected costs and be prepared for tomorrow’s unknowns.