Ultimate Guide To Pre-Existing Medical Conditions & Pet Insurance for Dogs

As a responsible pet owner, you want to ensure the best possible care for your furry companion.

Just like humans, dogs can suffer from various medical conditions that impact their health & well-being. Understanding these conditions & how to manage them is crucial for any pet owner. Unfortunately, vet treatments can become costly, especially as your pet ages, which is why pet insurance is essential for responsible dog owners. Pet insurance providers have different plans to suit every budget, however, with some, there are terms & conditions that can be confusing to understand, & also very restrictive. Always read the fine print, ask all your questions, demand transparency, & choose wisely. Of course, it’s also vital to know the difference between pet insurance, & human medical aids. (Insurance is there for the big, unforeseen expenses you wouldn’t otherwise be able to afford. Medical aid, unfortunately, does not exist in SA for dogs.)

Importantly, once your pet has shown signs or symptoms of a condition, &/or received treatment before your application for cover has been accepted by an insurer, that condition is deemed “pre-existing” by all insurance. Many insurers either don’t cover pre-existing conditions at all, cover them only on limited plans for an additional premium, or place additional waiting periods on cover for them. This is why it is essential to take out pet insurance cover while your pets are still young & healthy! Having said that, MediPet’s cover of pre-existing conditions is unique, either on the LitePlus plan after just 30 days, or if you have a younger pet, on a comprehensive plan with the addition of a Benefit Booster for that condition.

In this ultimate guide, we will explore in depth the topic of pre-existing medical conditions in dogs: what they are, how they can affect your pet, & the importance of choosing a pet insurance provider that will cover your dog’s pre-existing condition, & without extensive waiting periods. In addition, we’ll cover common ailments, breed-specific health issues & ongoing chronic conditions, & everything else you need to know about managing your dog’s health & well-being.

Contents: Ultimate Guide to Pre-Existing Medical Conditions & Pet Insurance for Dogs

• What is a Pre-Existing Condition in Dogs 
• Types of Pre-Existing Conditions in Dogs 
• What are Common Health Conditions in Popular Dog Breeds 
• How to Identify Pre-Existing Conditions in Dog 
• Providing Care for Dogs with Pre-Existing Condition 
• Pet Insurance for Dogs with Pre-existing Condition 
• Embracing Your Dog’s Health Journey with MediPet

What Is A Pre-Existing Condition In Dogs?

In the world of pet healthcare, a pre-existing condition refers to any health problem or medical issue that our furry friends showed symptoms of, was diagnosed, &/or received treatment for, before acceptance of cover by the insurer. These can range from common concerns like allergies & hip dysplasia to even more serious conditions like diabetes & heart disease. It’s basically any ongoing health issue that your cat or dog had before a particular point in time.

What Counts As A Pre-Existing Condition For Pet Insurance Underwriters?

When it comes to things like pet insurance, pre-existing conditions are important to keep in mind. Unfortunately, most insurance underwriters won’t cover costs related to these conditions if your dog showed symptoms, was diagnosed or fell ill before you took out pet insurance. So, if your dog already had a health problem before you invested in pet insurance, you may have to manage those expenses on your own. This is a great reason to take out pet insurance while your dog is young & healthy. By doing so, you’ll ensure any health issues that appear later in their lives are appropriately covered. 

The key here is transparency. When applying for pet insurance, it’s super important to be upfront about any pre-existing conditions your dog may have. This way, you’ll have a clear understanding of what’s covered & what’s not – no nasty surprises down the road. 

You’ll also know what plan to choose, & if you need to select a provider with a plan for pre-existing condition cover, like MediPet. 

Remember, the health & happiness of our furry family members are so important! If your dog has a pre-existing condition, don’t worry. Your caring vet can help you come up with a plan to keep your dog as healthy & happy as possible. They’ll provide expert guidance on managing those conditions, so you can enjoy many more tail-wagging moments together! And if you choose your insurance provider wisely, you can experience peace-of-mind regarding your financial expenses, too.

Types Of Pre-Existing Conditions In Dogs

In the realm of canine health, it’s essential to be well-informed about the various types of pre-existing conditions that can affect our four-legged companions. Understanding these conditions is the first step towards providing them with the care & support they need.

Some of the most common pre-existing conditions in dogs include the following:

Genetic Predispositions

Genetic predispositions are inherent traits or susceptibilities that a dog inherits from its parents & ancestors. These genetic factors can increase the likelihood of specific health conditions or diseases developing in the dog’s lifetime.

Understanding a dog’s genetic predispositions is crucial for pet owners as it enables them to anticipate & address potential health challenges early on. By being aware of these inherited traits, you can employ proactive healthcare, & adequate insurance to mitigate the risks & ensure a healthier, happier life for your four-legged companion.

Chronic Illnesses In Dogs

Chronic illnesses in dogs are long-term health conditions that persist over an extended period. They often require ongoing management, medical attention, & care to maintain a dog’s well-being. Chronic illnesses in dogs can encompass a wide range of health issues, including diabetes, arthritis, heart disease, & allergies, among others.

Recognising these chronic illnesses is essential for pet owners, as early detection & proper management are key to ensuring the best possible quality of life for their furry companions. Regular veterinary visits & checkups, with adherence to prescribed treatments are vital components in helping dogs with chronic illnesses lead healthy & happy lives.

What Are Common Health Conditions In Popular Dog Breeds?

Every dog breed has unique traits & characteristics, which include specific health conditions they may be predisposed to due to their genetics. Here’s a look at some of the common health conditions that are often associated with popular dog breeds:

Boerboel: Elbow Dysplasia

The boerboel breed is prone to a condition known as elbow dysplasia, which is the abnormal development of the elbow joint. It can result in pain & lameness, but fortunately, it’s a manageable condition that can be addressed with medication, physical therapy, &, in some cases, surgery. Early intervention by the vet can be invaluable, & also screening with elbow scores before buying a pedigree puppy.

Pug: Eye Problems

Pugs are known for their adorable wrinkly faces, but these wrinkles can also lead to eye problems such as dry eye, corneal ulcers, & entropion. Regular veterinary care, eye drops, grooming, proper eye care, & in some cases, surgery can go a long way in preventing or treating these problems. 

Boston Terrier: Cherry Eye

Boston terriers are prone to “cherry eye,” a condition where the third eyelid gl& prolapses causing irritation & redness. Thankfully, it’s a condition that can typically be corrected through surgery.

Labrador Retriever: Obesity

Labrador retrievers are known for their love of food, but this can also lead to obesity. Obesity in dogs can cause a range of health problems such as joint issues, diabetes, & heart disease. Keeping a watchful eye on your lab’s diet & ensuring they get regular exercise are essential to prevent obesity-related health problems. 

German Shepherd: Hip Dysplasia

Hip dysplasia is a prevalent issue in German shepherds. This condition stems from the abnormal development of the hip joint, causing discomfort & lameness. Fortunately, it’s a condition that can be managed with medication, &/or physical therapy, &, when necessary, surgery. Early intervention by the vet can be invaluable, & also screening with elbow scores before buying a pedigree puppy.

Beagle: Epilepsy

Beagles are prone to epilepsy, a neurological disorder that causes seizures. While there is no cure for epilepsy, it can be managed with medication & proper care. It’s important for beagle owners to be aware of this condition. Go to your vet if your dog has a fit for advice, & meds, as well as guidance on how to h&le seizures if they occur.

Golden Retriever: Skin Allergies

Golden retrievers are known for their beautiful golden coats, but they are also susceptible to skin allergies. These can be caused by a variety of factors such as pollen, fleas, & in some cases, food. Identifying & effectively managing these allergies is essential to ensure the comfort & well-being of your golden retriever.

Rottweiler: Joint Issues

Many rottweilers experience joint issues, including hip & elbow dysplasia, which can lead to arthritis. These conditions can cause discomfort for your furry friend, but they can be managed with medication, supplements, & appropriate exercise.

French Bulldog: Respiratory Problems

French bulldogs, with their distinctive short snouts, often face respiratory challenges such as Brachycephalic Airway Obstruction Syndrome (BAOS). Providing the right veterinary care & potentially surgery sooner rather than later, will help maintain your Frenchie’s health.

Dachshund: Back Problems

Dachshunds, renowned for their elongated bodies, sometimes encounter back problems, including intervertebral disc disease (IVDD). These issues can be managed through medication, surgery, rehab, hydrotherapy & physical therapy. It’s vital to keep a close eye on your dachshund’s activity level & prevent them from overexerting themselves. Most importantly, though, keep their weight down & prevent them jumping off things.

Understanding these breed-specific (or hereditary) health concerns is a crucial aspect of responsible pet ownership. It empowers dog owners to take proactive measures to ensure the well-being & longevity of their beloved canine companions.

How To Identify Pre-Existing Conditions In Dogs

For dog owners, the ability to identify possible pre-existing conditions in their furry companions is essential. Here are some signs that may serve as indicators of a pre-existing condition:

• Changes in behaviour or energy levels
• Loss of appetite
• Weight loss or gain
• Difficulty breathing or coughing
• Excessive drinking & urination
• Lumps or bumps on the body

If you notice any of these symptoms, it’s important to take your dog to the vet for a check-up. Early detection & treatment of  conditions can greatly improve your dog’s overall health & quality of life.

Recognising Signs & Symptoms In Your Dog

Every dog is unique, & the signs & symptoms of a health condition may vary from one dog to another. For instance, a dog with allergies might exhibit itchy skin, while a dog that has hip dysplasia may struggle with walking or getting up. It’s vital to be attentive to any changes in your dog’s behaviour or physical appearance as they could hint at a health concern.

Importance Of Veterinary Diagnosis

If you suspect that your dog might have a pre-existing condition, it’s imperative to consult a veterinarian for a proper diagnosis. Veterinarians can conduct examinations & diagnostic tests to accurately pinpoint any health issues your dog may be facing & recommend suitable treatment. Neglecting or delaying a veterinary visit could exacerbate your dog’s condition, & potentially lead to more severe health complications.

Gathering & Documenting Medical History

Keeping track of your dog’s medical history is vital for early identification of health conditions. Also be sure to document any previous illnesses, surgeries, & medications your dog has received. This information can assist your veterinarian in determining the most effective course of action for addressing your dog’s condition. It is also essential when applying for insurance cover, as underwriters do request & require this information.

Providing Care For Dogs With Health Conditions

If your dog has a diagnosed medical condition, it’s paramount to follow your veterinarian’s guidance for medication & treatment. Ensure the timely & accurate administration of any prescribed medications according to their instructions. Additionally, attend regular check-ups & follow-up appointments to monitor your dog’s progress.

Medication & Treatment Options

In many cases, medication is the primary method of treatment. This can encompass various forms, including oral medication, injections, topical treatments, & more. It’s important to adhere to dosage instructions & promptly inform your veterinarian of any changes or side effects. Depending on the condition, surgical interventions or alternative treatments may also be recommended.

Lifestyle Adjustments For Dogs With Health Issues

The nature of your dog’s condition may necessitate lifestyle changes to prevent further health complications. For example, if your dog has joint issues, you might need to limit their food intake, or alter their physical activity, as well as provide them opportunities & soft bedding to rest. Collaborate closely with your veterinarian to determine the most suitable approaches to support your dog’s unique needs.

Maintaining A Healthy Diet

Nutrition is of the utmost importance for dogs. Consult with your veterinarian to establish the most appropriate diet for your dog’s specific requirements. In certain cases, a specialised diet may be necessary to help manage your dog’s condition & promote their well-being.

Regular Exercise & Physical Therapy

Regular, appropriate exercise remains important for maintaining your dog’s overall health & well-being, even with mobility issues- under the advisement of a vet or physio. It’s important to keep pets moving to maintain muscle mass, in most cases. However, it’s crucial to consult with your veterinarian before introducing new exercise routines or physical therapy for your dog. Their guidance will ensure these exercises are safe & beneficial to your furry friend.

Providing A Safe & Comfortable Home Environment

Dogs with medical conditions may require special accommodations to keep them safe & comfortable. This could include providing extra padding for relief from joint pain or avoiding exposure to allergens for dogs with allergies. It’s important to create a safe & supportive environment for your dog to ease their condition.

Regular Monitoring & Check-ups

Even with proper care, dogs with existing health conditions may need regular monitoring & check-ups to ensure their health is stable. It’s important to stay in communication with your veterinarian, & to schedule regular visits to monitor your dog’s condition, making any necessary adjustments to their treatment plan.

Pet Insurance For Dogs, & Especially Those With Pre-existing Conditions

Pet insurance can provide peace of mind, & financial assistance when it comes to caring for a dog with a pre-existing health condition. However, it’s important to understand the limitations & possible exclusions of pet insurance cover for these conditions, if they have already shown symptoms or been diagnosed/treated. Most insurers do not cover pre-existing conditions at all, or within the first year of cover. These are defined as any health issues that showed signs or needed treatment before the policy was activated or during an initial waiting period.

MediPet, uniquely, has an inhouse vet team. Their vet expertise is crucial in developing plans & processing claims for the best interests of your pet. Did you know that our LitePlus Plan caters to pet owners seeking accident & illness cover for all ages, & importantly, pre-existing conditions? Additionally, for those looking to for comprehensive cover, MediPet offers a Benefit Booster add-for pre-existing condition cover. The first of its kind in SA, our Benefit Booster can be used to add benefits, increase benefits, or cover pre-existing conditions.

It’s important to carefully review the terms & conditions of a pet insurance policy before accepting cover to ensure you have adequate cover for your dog’s needs.

Exploring Types Of Pet Insurance

There are various types of pet insurance available, each with different levels of cover, & associated premiums. Underst&ing these options is key to selecting the right insurer & plan for your dog.

It’s essential to explore the various types of plans available to determine the best fit for your dog’s specific needs. At MediPet, we offer different plans aligned with your preferences. The LitePlus Plan is ideal for those seeking cover for pre-existing conditions. However, we underst& that each pet is unique, & that’s why we provide options like our Benefit Booster add-on to further enhance your pet’s protection on a comprehensive plan, especially for those younger dogs. 

We encourage you to explore the available options & choose the plan that aligns with your dog’s health requirements, giving you genuine peace of mind. With MediPet as your broker, you can make an informed decision to safeguard your dog’s well-being.

Embracing Your Dog’s Health Journey With MediPet

Embarking on your dog’s health journey, particularly when addressing pre-existing conditions, can be daunting. However, armed with transparent terms & conditions, genuine cover, & SA’s only animal-specialised broker on your side, you can rest assured that your cherished dog will enjoy a life of comfort & fulfilment.

This all-encompassing guide serves as your trustworthy companion, offering pet owners a roadmap to comprehend, identify, & effectively work in partnership with your vet & insurer, to manage pre-existing medical conditions & the associated costs, in dogs. It highlights the vital role that pet insurance plays in safeguarding your pet’s well-being, while emphasising the significance of responsible pet ownership in elevating your furry friend’s quality of life.

At MediPet, we firmly believe that every pet deserves access to the best medical care & attention. Our pet insurance plans are crafted with this core belief in mind, striving to transform it into a reality for both you & your beloved dog. With MediPet, you know that you are not only making a responsible choice but a compassionate one that genuinely prioritises your dog’s health & happiness.

Want to know more about pet insurance? Read What is Pet Insurance? An Ultimate Guide