Pet Care Insurance Limitations For Certain Breeds

By Dr. R.J. Peters

Even as pet care insurance becomes more common and remains affordable, there are situations that are not feasibly covered. It doesn't mean insurance is not available, but it will likely be more expensive.

Certain dog breeds are particularly susceptible to specific conditions or diseases that can be very costly to treat. This is in the category of "pre-existing conditions" according to insurance companies' terms and conditions. Just as with humans, some health conditions are simply too risky to cover and almost certainly will require a payout during or shortly after the covered individual's life. Knowing this, many companies may exclude certain conditions.

The success and profitability of any company depends on the lowest possible overhead expenses. Thus, all insurance companies are taking the chance... the risk... that you will not experience any high cost events. This is equally true of pet care insurance plans.

Still, you want what's best for you and your pet. Search for the best plans offered by different companies. Pay particular attention to breed exclusions. Ask, if it's not immediately evident, what is included or excluded.

Many large breed dogs are vulnerable to things like hip dysplasia or other bone and joint deformities. Dogs born of questionable breeding may be even more susceptible to these problems, as non-professional breeders may not understand genetics and proper breeding.

Be prepared to provide receipts for your purchased pets, as the insurance company may wish to evaluate the animal's risk factor. They also may require a veterinary examination prior to approving any policy to rule out other pre-existing conditions.

Some of the small breed dogs are prone to defects of the eyes, respiratory system, digestive disorders, and certain joint problems, too. Large breeds can suffer the same problems, of course, such as "cherry eye" in Chesapeake Bay Retrievers, Saint Bernards and similar breeds. It's a simple, minor surgery, but veterinary prices vary widely.

It's important to do a little research before purchasing or adopting a pet, if these issues are important to you, and a consultation with a trusted veterinarian may help you get answers to a lot of questions before you decide on a pet, and what coverages will be best for your situation.

Dr. R.J. Peters is a retired health professional who established a pet rescue shelter in 2002. Learn why pets need insurance, too, at Every Pet Matters.