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You can download our entire Pet Insurance Guide: Why The Fine Print Matters.
Exam or Records Required for Enrollment
What is this?
Many pet insurance companies require a thorough physical exam of your pet, or require all of your pet’s veterinary medical records to be submitted for review before approving a medical insurance policy for your pet to be issued.
How does this affect you?
Firstly, the cost of these exams is the sole responsibility of the pet parent and the pet insurance company will not reimburse you for the exam or any tests, which can really add up. Here is a breakdown of costs you could incur for some routine screenings and fees:
Exam fee: $25-$75
Comprehensive panel: $170-$250
Fecal lab: $30-$60
Thyroid screening: $30-$50
Penn Hip exam: $250-$450
Orthopedic exam: $75-$100
X-rays: $40-$220 (depends on the amount of sedation needed)
Secondly, some insurance providers will reject your pet’s application for insurance based on what is found on these tests or your past medical records. They sometimes use this information to add additional exclusions or deem issues that could be related to previous symptoms as a pre-existing condition.
Which Pet Insurance Companies Require An Exam or Complete Veterinary History:
Where does PetFirst stand?
At PetFirst, we do not require your pet to have an exam or provide a complete medical history prior to obtaining pet health coverage. As with all pet insurance companies, PetFirst will not cover pre-existing conditions, but in order to determine this, we only require the last 12 months of veterinary records upon your first claim. So, you can be sure your pet will never be turned down or denied coverage based on a pre-existing issue or have additional exclusions added to the plan based on their age, breed or medical history.
In this series, we deep dive into the other following areas where coverage could be lacking if you have another pet insurance company’s plan:
Now that you’ve done your research on pet healthcare plans, you can see PetFirst provides the most comprehensive, best pet insurance plan for dogs and cats. With no “gotchas” in the fine print, you can rest easy knowing you are able to give your pet the care they need.
In less than 2 minutes, you can get a customized quote for your pet.