A golden retriever with a pre-existing medical condition.
About Pet Insurance

Does Pet Insurance Cover Pre-existing Conditions?

The words “pre-existing conditions” strike fear in the heart of every insurance consumer. Because pet insurance providers are not likely to cover pre-existing conditions, this poses a challenge.

When insurers review your pet’s medical history, some differentiate between curable and incurable pre-existing conditions. If a condition can be completely resolved, or your pet is now symptom-free, it may be covered.

Incurable conditions, however, include chronic conditions such as cancer or hip dysplasia. Breed-specific issues, while common, are incurable conditions. It is possible to get insurance before these issues are diagnosed, which is why vets recommend getting insured as early as possible, when your pets are young and healthy.

At Pawlicy Advisor, we leave no stone unturned. Our website analyzes insurance data to find a plan that will cover your pet. Even if existing illnesses won’t be covered, pet insurance will ensure that any new medical issues your pet develops will be covered. When you use our insurance search engine, you’ll specify that your pet has a pre-existing condition, and we’ll match you with the right plan.

Pawlicy Advisor has also partnered with Pet Assure, a veterinary discount plan that serves as an alternative to pet insurance. For rates as low as low as $7.95/month, Pet Assure can reimburse 25% of veterinary bills - including well visits and sick visits, accidents, emergencies, and care for chronic conditions - regardless of pre-existing conditions. There are no restrictions on age, breed, or type of pet, and coverage can kick in immediately.

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