What happens when you cancel pet insurance?
Can you use pet insurance for a kitten that will need several vaccinations and surgery, and then cancel the policy once those issues are resolved, provided they’re not considered pre-existing conditions?
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The agent will likely try to keep you as a customer by offering lower costs and highlighting the benefits of maintaining coverage, but canceling is usually just a straightforward phone call. The downside is that if the cat needs additional treatment for this condition, which could include surgery, it may be classified as pre-existing and won’t be covered.
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Sorry, I should clarify that the surgery is just for fixing the issue.
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Gotcha, If you get coverage again later, you won’t have to worry about pre-existing conditions for the surgery. However, most plans typically cover only accidents and illnesses, not preventive care like spaying/neutering or vaccines. Some plans do offer extra wellness care that reimburses specific services up to certain limits.
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So, there’s a plan that covers additional services, and it would be more cost-effective for me to get that plan with a lower deductible and then cancel after.