Why do insurers ask me about pet’s health history?

Insurance providers ask about your pet's health history to assess the level of risk associated with insuring your pet. Just like with human health insurance, your pet's medical history is an important factor in determining the cost and coverage of your pet insurance policy. 

By asking about your pet's health history, the insurer can determine if there are any pre-existing conditions that may not be covered under the policy, or if there are any hereditary or breed-specific health issues that may require additional coverage. This information also helps insurers to calculate the likelihood of future health issues, and the potential cost of veterinary care.

Additionally, some insurers may require a veterinary exam or medical records before approving coverage. This allows them to verify the information provided by the pet owner, and to assess the current health status of the pet. 

Overall, asking about your pet's health history is a standard part of the insurance application process, and is used to determine the appropriate level of coverage and pricing for your specific pet's needs. It's important to be honest and thorough in your answers, as any inaccuracies or omissions could result in a denial of coverage or claim denial in the future.

Disclaimer: The questions and answers above are for educational purposes only. They are meant to provide the public with a general conceptual understanding of insurance and do not constitute advice or analysis. Some answers might be incomplete, outdated, and even not always accurate depending on the particular rules applicable to your state. Importantly, these questions and answers are generic and do not relate to any particular insurance product, including products available on the Waffle platform. If you have any questions about any of your own insurance products, always check the policy first and direct your questions to your insurance agent or the insurance company underwriting your policy.