Pet Insurance For Pre-Existing Conditions

by JackyDeKlerk

I am sure there are many pet owners that wish they had pet insurance for pre-existing conditions. Especially if they purchased normal insurance and excluded pre-existing conditions as well as unforeseen pet expenses, thinking it is unnecessary.

In this post I will cover the benefits, the exclusions, cost, trends, and so much more.

Understanding Pet Insurance For Pre-Existing Conditions

When it comes to pet insurance, understanding pre-existing conditions is crucial. Pre-existing conditions are any health conditions that first occur or show symptoms before coverage starts or during a waiting period. It’s important to note that pre-existing conditions do not prevent you from enrolling your pet and getting coverage for other accidents and illnesses. However, these conditions may not be covered by your plan (ASPCA Pet Insurance).

Definition of Pre-Existing Conditions

It’s important to note that different pet insurance companies may have varying definitions and policies regarding pre-existing conditions. Some insurers may decline to provide coverage for pets with pre-existing conditions, while others may cover other medical treatments but exclude coverage for the condition itself.

It’s also important to note that each pet insurance provider may have different criteria and waiting periods before coverage for a curable pre-existing condition begins.

Types of Pre-Existing Conditions for Pets

Pre-existing conditions can be categorized into two main types: curable and incurable:


Curable pre-existing conditions refer to illnesses or injuries that can be treated and resolved over time. Some pet insurance companies may provide coverage for curable pre-existing conditions after a certain waiting period, as long as there are no recurrent symptoms. These can include:

  • Vomiting or diarrhea
  • Bladder or urinary tract infections
  • Respiratory infections
  • Ear infections


On the other hand, incurable pre-existing conditions are chronic diseases or injuries that your pet shows symptoms of or has been diagnosed with. These conditions typically require ongoing management and treatment. Most pet insurance companies do not cover medical treatment required for incurable pre-existing conditions, such as:

  • Cancer
  • Allergies
  • Diabetes
  • Lipomas or skin lumps
  • Urinary blockages or infections
  • Orthopedic injuries or conditions

Exclusions for Incurable Pre-Existing Conditions

Incurable pre-existing conditions, such as cancer or diabetes, may have limited coverage or be excluded entirely from a pet insurance policy. Insurance companies typically consider these conditions to be high-risk and may not provide coverage for them. The rationale behind this is that treating chronic or incurable conditions can be expensive and may require ongoing care and treatment.

Enrolling in Pet Insurance

Now, when enrolling your beloved furry friend in pet insurance, it’s important to understand the process and how pre-existing conditions may impact coverage. This section will discuss two crucial aspects of enrolling in pet insurance: providing medical records and the effect of pre-existing conditions on coverage.

Providing Medical Records

pet insurance for pre-existing conditions

To enroll your pet in insurance, you will typically be required to provide their medical records. These records help insurance providers assess the overall health of your pet and identify any pre-existing conditions.

Pre-existing conditions are health conditions that began before the policy took effect or during a waiting period. They can include injuries, illnesses, or symptoms that occurred or were diagnosed before your coverage started.

By reviewing your pet’s medical records, insurance providers can determine if there are any pre-existing conditions that will be excluded from coverage. Some providers conduct medical history reviews to identify pre-existing conditions after you apply for a policy. It’s important to be thorough and provide accurate information about your pet’s medical history to ensure transparency and avoid any potential issues with coverage.

Comparison of Coverage Options

When comparing pet insurance policies, it’s crucial to carefully review the coverage options provided by different insurers. Look for policies that offer comprehensive coverage for a wide range of accidents and illnesses as well as unforeseen incidences that might not be covered.

Consider the following factors when comparing coverage options:

  1. Accident Coverage: Look for policies that provide coverage for accidents, such as injuries from falls or accidents involving vehicles.
  2. Illness Coverage: Ensure that the policy covers common illnesses that pets may encounter, such as infections or digestive issues.
  3. Hereditary and Congenital Conditions: Check if the policy covers hereditary and congenital conditions that may be prevalent in certain breeds.
  4. Chronic Conditions: Evaluate if the policy provides coverage for chronic conditions, such as allergies or arthritis, which may require ongoing treatment.
  5. Cancer Coverage: Look for policies that include coverage for cancer treatment, as this can be a significant expense.
  6. Specialist Care: Consider policies that provide coverage for specialist care, including visits to veterinary specialists or referrals to specialty hospitals.

Costs Evaluation

Another crucial aspect to consider when choosing pet insurance is the cost of coverage and the evaluation of coverage provided. Analyzing the costs and coverage details can help you determine the value and affordability of a policy.

Consider the following factors when evaluating costs and coverage:

  1. Premiums: Compare the monthly or annual premiums across different pet insurance providers. Keep in mind that premiums may vary based on factors such as the age, breed, and health condition of your pet.
  2. Deductibles: Assess the deductibles associated with each policy. A deductible is the amount you must pay out of pocket before the insurance coverage kicks in. Higher deductibles may lower the premium but require more upfront payment.
  3. Reimbursement Percentage: Determine the reimbursement percentage offered by each policy. This is the portion of eligible expenses that the insurance company will reimburse. Higher reimbursement percentages may come with higher premiums.
  4. Annual Limits: Review the annual limits of coverage provided by different policies. This is the maximum amount the insurance company will pay out in a policy year. Ensure that the limit is sufficient to cover potential expenses.
  5. Waiting Periods: Take note of any waiting periods specified by the policy. Waiting periods are the duration during which certain conditions or treatments are not covered. Ensure that the waiting periods align with your pet’s health needs.

Additionally, it’s important to note that not all insurance options are traditional pet insurance policies. For example, Pet Assure is a veterinary discount plan that offers discounts on vet care for pets with pre-existing conditions, regardless of age, existing health conditions, or breed. This alternative option can provide savings on veterinary bills without the need to submit past vet records or prove the pet’s health status.

You may also like

Leave a Comment