Does disability insurance cover pre-existing conditions?

Direct answer

It depends on whether the high monthly premiums for an aging pet are offset by the risk of expensive emergency surgeries, which are significantly more common in high-cost veterinary markets like Florida.

Comparative analysis of regional veterinary pricing data and actuarial tables for senior pet care. For additional information about state-specific veterinary cost trends and coverage data, see the North American Pet Health Insurance Association.


What this means for you

It depends on whether the high monthly premiums for an aging pet are offset by the risk of expensive emergency surgeries, which are significantly more common in high-cost veterinary markets like Florida.

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