Can I Still Get Pet Insurance If My Dog Has Cancer-As devoted pet parents, The possibility of our beloved furry companions falling prey to serious ailments like cancer can make you freak out. Dealing with such conditions can be emotionally taxing and financially burdensome.
The burning question on your mind might be whether you can still secure pet insurance even if your dog has been diagnosed with cancer.
The coverage for cancer treatment under your pet insurance policy hinges on the health status of your furry friend at the time of purchasing the plan. Typically, preexisting conditions are excluded from coverage. Therefore, if your pet has already been diagnosed with cancer before you enroll or during the waiting period, the treatment costs will not be covered by your insurance provider.
If you acquire an illness policy while your pet is in good health, you will remain eligible for coverage in the event that a health issue, such as cancer, arises after the waiting period has ended.
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Can I Still Get Pet Insurance If My Dog Has Cancer?
What is Pet Cancer and its Common Types?
Pet cancer, the abnormal growth of cells or tissues in the body, can cause neoplasms or tumors. These masses can be benign or malignant, with only malignant masses considered cancers.
Just like humans, about one in four dogs may develop cancer in their lifetime, according to the American Veterinary Medical Association. While the rate of cancer in cats is less understood, there are certain cancers, like lymphoma, that are more prevalent in cats than dogs.
The most common types of pet cancer include bone tumors, lymphoma, mast cell tumors, and soft tissue sarcomas. Bone tumors, although challenging to treat, can often be managed through amputation or radiation therapy. Lymphoma, on the other hand, can be effectively addressed with medication regimens including prednisone, cyclophosphamide, vincristine, and doxorubicin.
Most mast cell tumors can be managed through surgery, while radiation or chemotherapy may be recommended in some cases. As for soft tissue sarcomas, surgery is the typical treatment, often followed by additional therapies such as radiation.
Thanks to advancements in diagnostic tools like X-rays, ultrasounds, and blood tests, detecting cancer in pets has become easier. In certain cases, MRIs or CT scans may be necessary to confirm a diagnosis. However, despite the increased ease of detection, the treatments for pet cancer can still be financially burdensome. This is where pet insurance can provide valuable assistance.
How Does Cancer Coverage Work with Pet Insurance?
Pet insurance companies typically cover cancer care if your pet is enrolled in a policy before the diagnosis. Most providers exclude preexisting conditions, making it difficult, if not impossible, to obtain coverage for a pet already diagnosed with cancer.
Different insurance companies offer various coverage options, including accident-only plans, accident-and-illness plans, and plans specifically covering cancer. Many providers also include diagnostics and advanced treatments within their coverage.
When your pet receives treatment, you’ll need to submit a claim to your insurance company. If approved, the company will reimburse you accordingly. If your pet is predisposed to cancer due to breed or hereditary factors, it’s advisable to reach out to insurance providers to inquire about their specific cancer coverage offerings.
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Understanding the Annual Cost of Cancer Coverage
When searching for pet insurance, it’s wise to obtain multiple quotes to compare costs and options. From affordable plans to more comprehensive coverage with higher price tags, there is a range of choices available. Based on our research, here’s an overview of the average monthly costs for pet insurance that includes cancer coverage:
– Lemonade: $17.36–$71.31 for dogs, $11.00–$39.64 for cats
– Spot: $17.84–$141.32 for dogs, $9.86–$83.18 for cats
– Healthy Paws: $34.39–$45.14 for dogs, $13.34–$17.57 for cats
– Figo: $19.22–$93.83 for dogs, $8.72–$42.62 for cats
– Embrace: $30.56–$88.18 for dogs, $13.65–$39.39 for cats
– Fetch: $35.57–$79.61 for dogs, $20.16–$38.26 for cats
– Trupanion: $58.96–$178.14 for dogs, $27.86–$75.74 for cats
(Note: Quotes are based on prices obtained for a 4-year-old, medium-sized, mixed-breed female dog and a 4-year-old, medium-sized, mixed-breed, medium-hair female cat in Portland, Ore.)
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Is Cancer Common in Dogs?
Regrettably, cancer is a common ailment among dogs. Dogs over 10 years old have an almost 50% chance of developing cancer, making it one of the leading causes of death in older pets. In fact, dogs develop cancer at a similar rate to humans. While receiving a cancer diagnosis for your dog can be heartbreaking, veterinary care offers a range of options and treatments to aid in their recovery.
Is Cancer Common in Cats?
Approximately one in five cats will experience cancer in their lifetime. Certain types of cancer are more prevalent among cats, with lymphoma being one of the most common. Regardless of the specific type, cats are highly responsive to various cancer treatment options, and they can still enjoy a good quality of life after receiving treatment.
The Bottom Line: Can I Still Get Pet Insurance If My Dog Has Cancer?
Discovering that your pet has cancer can be devastating, but it doesn’t have to lead to financial ruin. Most pet insurance providers offer coverage for cancer treatment. However, it’s important to note that preexisting conditions are typically not covered.
Many pet owners opt to enroll their pets in insurance plans while they are still young and healthy, ensuring coverage for potential cancer diagnoses. By securing a comprehensive pet insurance policy, you can protect yourself from overwhelming veterinary bills and provide the necessary care for your pet’s recovery.