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Originally Posted by Morix Then, I don't understand. Most yorkies have liver problems, pancreatitis, hypoglucemia....so if they don't cover for that, what do they cover for? If most of our dogs have these problems, how can they be so sure if they are chronic or genetic diseases  ? |
That's the advantage with getting insurance for your yorkies while they're healthy and BEFORE they become sick. Most health insurances will exclude pre-existing conditions, it's the same with human insurance (except human insurance have exceptions to the rule as allowed by law). if you don't have insurance now and found out you had cancer today and tried to buy insurance tomorrow, the insurance company will either deny your application or exclude the cancer treatment because it's a pre-existing condition. Insurance companies are still a business and in the money of making money. Accepting an applicant who will no doubt submit more in claims than pay in premiums due to a known condition is bad business.
Insurance companies can also assign different premiums to you depending on known conditions of your dog, like age and breed. Breeds with known chronic problems or genetic dispositions can cost more to insure than a breed with minimal problems. Older dogs premiums can cost more than younger dogs because they are more prone to problems as they age.
check out the following pet insurance companies:
www.petinsurance.com,
www.petcareinsurance.com,
www.petshealthplan.com . read the terms of their policy carefully making note of what's excluded, the annual and lifetime max, and the deductibles.
but tell you the truth, if your objective is to reduce the cost of healthcare due to the chronic Pancreatitis condition in your yorkie, i doubt any insurance company will accept your pet without excluding treatment associated with that condition.