Skip to content

Preexisting Conditions and Insurance

Preexisting Conditions and Insurance

Pre-existing conditions are a key factor in insurance. Briefly, they are conditions that existed prior to coverage going into effect. You wouldn’t, for example, expect to have a car accident and then buy an auto insurance policy to have your damage covered. You can’t wait until you have a terminal disease to acquire a large amount of life insurance. You can’t wait until you have a toothache and then buy dental insurance and expect your condition to be covered. In other words, you can’t wait until the roulette wheel stops to see where you want to place your bet.

When it comes to Pet Insurance, generally, pre-existing conditions will not be covered or only be covered after an extended waiting period.  Again, this means you can’t wait until your pet gets ill or has an accident to buy needed coverage. Most pet insurance policies have at least a few days waiting period policy before any coverage would take effect to avoid coverage for pre-existing conditions. The list goes on and on.

Insurance is intended to financially protect you from future events. There are a few exceptions, however.

Health insurance under the Affordable Care Act is available through an open enrollment period that will cover some pre-existing conditions. Medicare will accept pre-existing conditions in its Initial Enrollment Period (IEP). When you start a new job with an employer that offers health insurance you may initially be covered for some pre-existing conditions. It is always best to discuss your coverage with an insurance professional like one of our independent insurance agents.

Because our agents are independent, they have access to loss-prevention products from a variety of companies. This allows them to do the shopping for you. You still make the final choice of course, but they can show you options other agents may not have access to. They also have an array of insurance products to choose from including auto, life, homeowners’, renters’, disability, health, pet insurance and more. This provides them a distinct advantage when it comes to the ability to “bundle” your policies.

Don’t wait until a pre-existing condition limits or eliminates your protection. Contact us for a complete insurance policy protection review and get the coverage you and your family deserve at a price you can afford.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

How Getting Married Changes Your Insurance Landscape

Marriage Changes Things…Including Your Insurance.

Is My Insurance Company Out to Screw Me?

Unsatisfactory Experiences Happen in Every Industry. Insurance is not Exempt.

Having Food Delivered to Your Home? There May Be Liability Risks

Having supper delivered to your door sure can be convenient, but it also can increase your exposure to a liability claim in a slip or fall. Here’s how to ensure you are covered.

It’s Time to Start Adulting: Getting Life Insurance When You Graduate

Getting life insurance when you graduate will help cover any car loans, credit card debt and even your student loans. Learn why life insurance is a good step in adulting.

Are “Acts of God” a Thing When it Comes to Insurance?

What are “acts of God” and will you be covered in the event of one? The answer is yes, no and maybe. Read our article on “acts of God” and how you may or may not be covered by these perils.

Preexisting Conditions and Insurance

Learn why pre-existing conditions play such an important role in the insurance industry. Know when and how you will, and will not, be covered.

Making Insurance Easier: What is a Dec Page?

Sure, insurance can be confusing. But did you know all you need to do is read the first page or two of your policy to understand what your coverage is?

How Pet Insurance Can Keep You From the Most Difficult of Decisions

Pet insurance can prevent you from having to make one of the most difficult decisions any pet owner would have to make. Here’s how.

Am I On the Right Path with Travel Insurance?

There are a variety of circumstances that can make purchasing travel insurance an excellent decision. What does travel insurance cover and when should you buy it when traveling?

Why a Lender Requires You to Carry Home or Auto Insurance

Why does a mortgage company or auto lender require you to carry insurance? It is to protect their own interests. Here is why insurance is required and what you can do to act in your own interest.

Leave a Comment





Translate »