Does pet insurance cover asthma? Just like humans, pets can suffer from a variety of chronic illnesses and health conditions with one of them being asthma.
This respiratory condition, particularly common in cats and sometimes seen in dogs, can result in wheezing, labored breathing, coughing, and fatigue.
Managing pet asthma can become a long-term commitment, involving regular veterinary visits, diagnostic tests, and medication. So understandably, many pet owners wonder: Does pet insurance cover asthma?
Pet insurance policies vary by provider, plan type, and the specific medical condition in question. Knowing whether asthma falls under covered conditions can help reduce the stress of unexpected vet bills and allow you to focus more on your pet’s comfort and quality of life.
What is Pet Asthma And How Is It Treated?
Before diving into insurance coverage, it’s important to understand what pet asthma is and how it impacts animals. Asthma in pets, especially in cats, is an inflammatory disease of the lower airways that causes difficulty breathing.
What’s more, the triggers can include allergens like dust, pollen, smoke, molds, or strong cleaning products. Dogs also suffer from bronchitis or similar respiratory issues but they are often misinterpreted as asthma.
Asthma is typically managed rather than cured. The treatments for this condition may involve:
- Diagnostic tests such as chest X-rays, blood work, and allergy testing
- Medications like corticosteroids and bronchodilators
- Inhalers specifically designed for pets
- Ongoing vet visits to monitor the condition
- Lifestyle changes to reduce exposure to triggers
Overtime, these costs can add up over time, which makes understanding insurance coverage even more important.
Does Pet Insurance Cover Asthma?
Most comprehensive pet insurance plans do cover chronic conditions like asthma, but with some caveats.
What’s more, the coverage depends heavily on whether the asthma is considered a pre-existing condition, whether the plan covers chronic illnesses, and the type of treatment required.
Factors That Determine Whether Asthma Is Covered
Here are some of the common factors that determine whether asthma is covered:
Pre-existing Conditions
Insurance companies typically do not cover pre-existing conditions. If your pet is diagnosed with asthma before you purchase the insurance policy, it’s highly unlikely that treatment costs will be reimbursed.
However, if your pet develops asthma after the policy starts, and after any waiting periods, you are more likely to receive coverage.
Type of Insurance Plan
There are generally three types of pet insurance plans:
- The Accident-only plans do not cover illnesses like asthma
- The Accident and illness plans are most likely to cover asthma, especially if it develops after the policy begins
- The Wellness plans cover preventive care but not chronic illness treatment
To ensure asthma is covered, you’ll need a comprehensive accident and illness plan.
Ongoing and Chronic Care Coverage
Some plans limit how long they’ll cover chronic conditions like asthma. So, you should look for plans that offer lifetime coverage for chronic illnesses, so you don’t risk losing support in future policy years.
Deductibles and Reimbursement
Even if asthma is covered, you’ll still need to meet your deductible and co-pay. Check the percentage your insurer reimburses after these amounts are paid.
What Treatments for Asthma Are Covered?
Pet insurance usually covers the diagnosis and treatment of asthma when the condition is eligible under the policy. This includes:
- X-rays and lab work
- Asthma inhalers and medications (sometimes partially)
- Emergency care if your pet has a severe asthma attack
- Veterinary consultations and exams
- Hospitalization or oxygen therapy when needed
However, not all treatments are always included. This is why you must always review your policy or talk to your insurance provider to understand which specific treatments are reimbursable.
Tips for Getting Coverage for Asthma
If you’re considering pet insurance with the goal of covering asthma, here are some key tips to ensure you get the best deal offered:
- Insure Your Pet Early: The earlier you get coverage, the more likely asthma will not be considered pre-existing.
- Choose a Reputable Insurer: Look for providers with a history of covering chronic conditions without too many restrictions.
- Read the Fine Print: Pay close attention to exclusions, annual limits, and renewal conditions.
- Ask About Medication Coverage: Confirm whether common asthma drugs or inhalers are fully or partially covered.
- Consider Adding Wellness Coverage: Though it won’t cover asthma, it can help cover preventive care that reduces asthma triggers.
Frequently Asked Questions
Is Asthma In Pets Considered A Pre-existing Condition?
Yes, it is. If your pet was diagnosed with asthma before the policy started or during the waiting period, it is usually considered pre-existing and it won’t be covered.
Do Pet Insurance Plans Cover Inhalers And Medications?
Some do, but it varies by plan. Often, you’ll need to pay up front and be reimbursed. Also, check your policy’s drug coverage section or speak to your provider.
Is Asthma Fatal For Pets If Untreated?
In severe cases, unfortunately it is. Untreated asthma can lead to oxygen deprivation, organ damage, or death. That’s why prompt diagnosis and treatment are essential.
