Does Pet Insurance Cover Cancer?

Does my pet insurance policy cover cancer? When we hear the word cancer, the first thing that comes to our mind is human. However, we need to know that cancer affects cats and dogs as well. It can be very deadly and serious to our pets as it is to humans. Most times, Pets who are diagnosed and have early treatment have a high chance of survival.

Does Pet Insurance Cover Cancer

Having pet insurance can make it very easy for pet owners to ensure that their pets get early and the best treatments. However, one of the biggest questions on the internet is, “does pet insurance covers cancer? And if it does, what does it cover for cancer? Follow this article to the very end to get the answer to your question.

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Does Pet Insurance Policy Cover Cancer?

Yes, most pet insurance companies cover treatment for cancer. As long as they are not pre-existing cancer conditions. This means if your pet has cancer before you purchase the policy, the cost of treatment won’t be covered. So, this depends on when you signed up for the pet insurance policy.

Just so you know, cancer will be considered pre-existing if your pet was diagnosed or show symptoms of cancer before getting your pet insurance policy. However, if you purchase a pet insurance policy and your pet begins showing symptoms of cancer during the policy effective period; pet cancer may be eligible for coverage.

Insurance Companies That Cover Cancer Treatment and What They Cover

Just like I have mentioned above, many insurance companies cover treatment as long as they are not pre-existing. But the amount and coverage type depends on the insurance company and the policy the pet owner purchases. Below are some insurance companies that cover cancer and what they cover exactly.

Embrace Pet Insurance

Embrace covers all types of cancer treatment and includes the following;

  • Chemotherapy
  • Examination/consultation fees
  • Radiation therapy
  • Surgery
  • Rehabilitation
  • Surgery
  • Follow-up care
  • Alternative therapies
  • Hospitalization

Healthy Paws

Healthy paw insurance offers different pet insurance plans and cancer treatment is part of each treatment. Here is what they cover;

  • X-ray
  • Lab tests
  • Ultrasounds
  • Chemotherapy
  • Surgery
  • Prescription medications
  • Cancer diagnostics
  • Hospitalization
  • Rehabilitation
  • Radiation therapy
  • Alternative therapies

Petplan

This insurance company offers pet owners a choice of three pet insurance plans. And they all offer the below cancer treatment coverage

  • X-Rays
  • Lab tests
  • Diagnostics and testing
  • Ultrasounds
  • Chemotherapy
  • Surgery
  • Prescriptions
  • Hospitalization
  • Radiotherapy
  • Alternative therapies

Trupanion

Trupanion offers one simple and amazing plan that covers everything including cancer and other related services.

  • Examination
  • Ultrasounds
  • Imaging
  • Surgery
  • Chemotherapy
  • Radiation
  • Prescription medications
  • Hospitalization
  • Alternative therapies.

Contact these insurance companies or visit their websites to check the deductible choice you have once you purchase the policy. Make sure you compare multiple insurers to have the best and most affordable price. Although cancer treatment can be very costly, it is also live saving for your pet.

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Also, remember that after your beloved pet goes through cancer treatment it will be very hard to switch companies. Since your dog or cat now has a preexisting condition.

Is Pet insurance worth it for cancer treatment?

If you notice that your pet has a very high risk of developing cancer, then pet insurance is definitely worth the price. However, paying out of your pocket for cancer treatment may be more than you can afford.  If your pet has cancer, you won’t find any policy that will cover it since it’s a pre-existing condition already.

But pet insurance may cover the cost of ailments of the future that are not related to cancer treatment. In addition, it won’t cover any treatment related to cancer including radiation, surgery, and chemotherapy.

FAQ

How much does it cost to treat a dog with cancer?

Consultation fees with an oncologist cost about $125 to $250 which varies based on the hospital, clinic, and location. According to reports, the average cost of chemo for dogs and cats costs about $150 to $500 per dose, and radiation cost $1,000 to $1,800.

Is lymphoma covered by pet insurance?

According to Financial Protection Against Pet Cancer, cover coverage from Nationwide includes lymphoma, bone cancer, oral melanoma, and others.

Can pet cancer be cured?

Yes, pet cancer can be cured but it’s based on certain factors such as the type of tumor, location, and other things as well. There is a high chance of curing cancer and also a reasonable treatment.

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