Unverified90% confidenceCautionTime unknown
宠物已确诊慢性病（如猫慢性肾病、犬心脏病）后不要指望投保新险覆盖该病，几乎所有综合医疗险将既往症列为免责，投保应在健康期趁早
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90%
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Long-term
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Unverified宠物已有既往病史（如已确诊心脏病、肾病、肿瘤）不建议指望手术险覆盖相关手术，几乎所有产品对投保前已存在的疾病列为除外责任，投保后相关手术会被拒赔87% similarUnverified宠物已有既往病史（如慢性肾病、心脏病、糖尿病）时不建议单独买住院险，因这类反复住院正是既往症除外条款拒赔的核心，投保后相关住院几乎全被排除86% similarUnverified宠物已确诊慢性病或既往症后不建议再新买疾病险，几乎所有产品都将已发生疾病列为既往症免责，投保后该病治疗无法报销，只是白交保费85% similarUnverified宠物有明确健康问题（如皮肤病、免疫疾病）时不应以此类保健品替代兽医诊疗81% similarUnverified选购疾病险时优先看是否『保证续保』或『不因既往赔付而拒保次年』，多数产品为一年期非保证续保，宠物一旦查出慢性病（如肾病、糖尿病）次年往往被列为既往症免责，等于失去保障78% similar
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