Even though insuring adopted pets has its challenges, it does have plenty of rewards. Besides being blessed with the presence of a lovely dog or cat who will offer unconditional love for the rest of his or her life, great companionship and memorable moments spent together, there are even some insurance companies that offer policy discounts or even free insurance for pets who come from certain shelters.
Insuring an Adopted Pet: The Difficulties
When adopting a pet, the biggest problem in terms of insurance is the new family member’s lack of medical history. Pets who were abandoned or found on the streets usually do not have health records, mainly if they weren’t previously chipped or tagged.
This means adopted pets might have already developed preexisting conditions, for which insurance companies do not provide coverage. It also implies that the exact age of the pet is uncertain, issues which can be, though, solved when taking the pet to the vet the first time. The vet will pinpoint if the adopted pet has a preexisting condition and will also give an approximate age for him or her.
Adopted Pets Sometimes Come With Free Insurance
There are certain shelters that offer free insurance for the pets adopted from them, which comes as an extra-motivation for the future owners. Certainly, it is something to look into, since the adopted four-legged pals often have a history of mistreatment or were previously involved in accidents, or they might be old, in which case most other insurance companies do not provide coverage for illnesses.
That is because most insurance companies have limits on the maximum age a pet can be enrolled.
Another advantage of adopting a pet is the fact that there are a few insurance companies that offer discounts for pets coming from the shelters they are working with. These discounts usually are of around 5%, plus another 5% if you adopt more than two pets.
Is Insurance Possible for Old Adopted Pets?
While old adopted pets certainly deserve their share of happiness in a warm, loving family, they are more difficult to insure because, as stated above, most insurance companies have limits on the maximum age a pet can be enrolled with them.
The solution to this issue consists in two possibilities: insure them for an accident plan, which most insurance companies offer for older pets, or find a pet insurance company without any age limits. There are a couple of these companies, such as Pet Assure or PetFirst, which clearly state they do not impose any age limits on the pets they enroll.