Is There Pet Insurance That Covers Pre-Existing Conditions?

There are no pet insurance plans that cover pre-existing conditions. If a condition is diagnosed before your pet insurance kicks in, you’ll need to pay out-of-pocket for the treatment of that condition. This includes congenital conditions that have already been discovered.

However, some plans do cover curable conditions after a certain waiting period with no recurring symptoms!

Yes! Even if your dog or cat has a pre-existing condition, that won’t exclude you from obtaining pet insurance. The costs of treating that particular issue won’t be covered by your new plan, but you can expect coverage for future illnesses and injuries. So, pet insurance is still worth it.

Yes, if it was present before your insurance took effect. If so, you wouldn’t be able to get coverage for any future treatments of that illness in your pet. However, you’d have coverage for any other illnesses your pet develops if they’re listed in your policy.

Pre-existing conditions are usually determined through a vet’s diagnosis, but a diagnosis is not always necessary. If your pet has symptoms before you obtain pet insurance and then gets diagnosed after your insurance kicks in, your insurance provider may consider this a pre-existing condition.

No pet insurance plans cover pre-existing conditions, and most plans won’t cover the taxes, grooming, or boarding. Aside from that, you can obtain a plan that covers just about everything else. For example, a policy with strong accident and illness coverage combined with a pet wellness plan will cover a large percentage of almost all your potential veterinary expenses.

A pre-existing condition could be just about anything, but some of the most common are allergies, cancer, diabetes, heart disease, arthritis, and epilepsy. Many congenital conditions, which occur at or before birth, are considered pre-existing conditions if they are diagnosed before you get dog insurance.

Cats suffer from many of the same common pre-existing conditions as dogs, including allergies, cancer, and heart disease. Both species can also suffer from curable pre-existing conditions like infections and gastrointestinal problems. All of these are considered pre-existing if they are diagnosed before your cat insurance kicks in, although curable conditions could be covered if/when they arise again later.

Some pet insurance companies require a full health examination from your veterinarian before they’ll insure your pet. But in most cases, they’ll simply ask you if your pet has pre-existing conditions. Be honest in your response, as misleading your insurer could result in the cancellation of your policy.