Do pet insurance companies ever place blame for pet fights?
With car insurance you’re likely familiar with the notion that auto insurance companies “duke” out a claim over which driver was at fault for a collision. They spend hours, or days, or weeks coming to a conclusion and the winner makes the other insurance company pay for the damages and the appropriate driver is penalized with higher rates, etc.
“Is there something similar to this with pet insurance?” “What would happen if my insured dog bit another dog?” I actually received these questions a few days ago when chatting with someone about pet insurance.
Fortunately, pet insurance is a little more straightforward. Pet insurance companies won’t necessarily duke it out. And it’s true, your dog could hurt another dog, but this isn’t something that most pet insurance companies would cover. However, if your dog is injured in a fight (or gets bitten by another dog), then pet insurance would likely cover the injury.
Will most pet insurance carriers cover a dog with a pre-existing condition? One of our dogs has a knee issue and might need surgery down the road. Can we get insurance now to cover it?
- Bob
Hi Bob,
You can learn more about pre-existing conditions on my posts about pre-existing conditions, but to answer your question shortly, no they will not. Some will cover a condition if it was pre-existing if it is something that a pet can recover from. For example, if your dog got a cold then a month later you got insurance, and a year from now he gets another cold something like that would be covered.
I am sorry to say, that since the symptoms are already showing for your pup’s knee, no insurance company will cover the surgery