Pet insurance
'Existing situation' is a common reason for pet insurance applications to pay for compensation, and the so -called 'existing situation' refers to the symptoms that the owners have appeared during the period before or before the pet insurance, or the symptoms, or the symptoms, or are the symptoms, or it, or it, or it, or it has already appeared, or the symptoms of the period of time, or the period of time, or the period of time, or the period before or before the pet insurance, the symptoms, or the symptoms, or it, or Diagnosis of the disease. Moreover, different pet insurance companies are also different about the definition of 'already existing.' So before buying insurance, they must read the company's policy samples or ask the insurance company's sales representatives clearly.
If you want to buy pet insurance, it is best to buy an insurance as soon as possible before any problems and diseases that can be detected. This will reduce the chance of being rejected for pre -existence. However, most of the owners usually start to be interested in buying pet insurance after going to the hospital a few times when they go to the hospital.
In the process of applying for pet insurance, you usually need to answer some questions about your pet pre -existence. You have to answer these questions completely honestly. Intentional misleading the insurance company's understanding of your pets will be considered fraud, and those who punish the penalty that the insurance is canceled, and the severe cases may be fined or even imprisoned. Depending on your answers to these questions, insurance companies may give your pet a insurance policy that does not rule out any situation, or they may ask you to provide further information and/or request your pets for 12 to 24 months in the past 12 to 24 months. Medical records.
Even if you do not need to provide medical records in your application, you are likely to be asked to show medical records when the first claim requires. Some pets have happened before, even if you forget to mention when applying, and when the company reviews your previous medical records, these things are still very evidence that the company will treat it as a pre -existence. Essence
Therefore, during the application process, it is recommended to ask whether insurance companies can tell you that the insurance company will notify the insurance company if they will not be guaranteed in the form of a written notice. The window period also needs to be understood in detail. Most insurance companies will accept such requests, and this request is very necessary because unexpected troubles can be avoided. If it takes several months or even years to pay high insurance premiums, but when an accident occurs, the claim request to be refused by the insurance company on the grounds of "pre -existence". Under normal circumstances, when purchasing insurance, the insurance company will ask for a pet medical record for pets for evaluation.
Their purpose is to ensure that they understand the health problems before the pets, so as to understand any question that may be classified as "existing status". If one or more situations are excluded by the insurance company and you choose to stop buying insurance without claims, you can cancel the insurance and get the corresponding amount of compensation.
Another advantage of submitting pet health records is that during the review of your first claim, the evaluation of any situation and the corresponding compensation can get the results soon. If pets are relatively old when applying for insurance, insurance companies often ask for physical examinations or even testing of pets while asking for medical records to ensure that pets have chronic diseases without insurance policies.