Our furry friends bring so much joy and companionship to our lives, keeping them safe and healthy is how we thank them. For many people, this starts with the support of pet insurance. However, for those furry friends who find their forever home later in life, this can mean the question of whether the pet insurance can transition with them to their new family. Does pet insurance transfer to a new home when the pet does? Like many questions, the answer is: it depends.
More than 86,000 times a day a pet parent is present with a vet bill that totals more than $1,000. For many people, this can mean difficult decisions when it comes to how much medical assistance they are able to provide their furry family members. Pet insurance can provide relief from the often insurmountable vet bills, as well as provide peace of mind that if this situation is to arises, it won’t be financially devastating. Most major pet insurance companies understand that sometimes a pet needs a new home for a variety of reasons and an allowance is made for the policy to transition with the pet to its new home. This is especially common in cases of animal shelter adoptions or a verified 501(c)(3) animal rescue. In many cases, this can be as simple as a letter from the shelter or rescue agency on company letterhead, filling out a form, or a quick email to the pet insurance company. If the adoption is more informal—between two families, for instance—it may be more difficult, but not entirely impossible. However, if the pet insurance coverage is part of a greater policy, such as a homeowners or a renters insurance policy, this generally will not be transferable.
If you find yourself on either end of the adoption exchange with hopes that the little beast in question will continue to receive the love and care it deserves, your first step is to visit the pet insurance company website and look under Frequently Asked Questions. If you can’t find the answer there, call the company’s customer care department and ask. If the answer is no, dive a little deeper. Ask if exceptions are ever made, or if there is any way to appeal.
Some major brands of pet insurance make it easy, providing a form on their website to fill out and email to a customer service representative.. Here are the forms for two of the top pet insurance brands: 24 Pet Watch, and Nationwide Pet Insurance. Just click the link, fill out the form and email to the customer service email address provided. Other companies, like Pet’s Best, make it slightly more complicated. The process must be initiated by the former owner with a phone call to their customer service department to make the switch.
Most pet insurance companies are happy to work with you to ensure your pet is covered, although it may take some leg work on your part. In most cases, the ability to keep coverage without a lapse in service is worth the time spent to ensure your pet is covered in the unfortunate event that they need medical assistance!