- Some pet insurance plans can cover expenses for pre-existing conditions that have been cured, meaning your pet shows no ongoing signs or symptoms and requires no ongoing treatment.
- For pre-existing conditions to be covered, the condition must have been cured before the insurance provider’s lookback period. This time frame varies by provider.
- More importantly, pets with chronic pre-existing conditions can still qualify for pet insurance and get coverage for expenses not related to their pre-existing conditions.
- Pre-existing medical issues can make pet insurance more expensive, so we recommend comparing plans and rates if you are looking to keep costs low.
- Our top pick for pet insurance that covers pre-existing conditions is Spot Pet Insurance thanks to its short lookback period, ample coverage options, and affordability. (skip ahead to see all top plans)
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Pet Insurance That Covers Pre-existing Conditions
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On This Page
- Key takeaways
- Which pet insurance companies will cover pre-existing conditions?
- Our top picks for pet insurance that covers pre-existing conditions
- FInding the right pet insurance coverage
- What are pet pre-existing conditions?
- How do pet insurance companies identify pre-existing conditions?
- How much does pet insurance that covers pre-existing conditions cost?
- How to find the best pet insurance for pre-existing conditions
- FAQ: Pet pre-existing conditions
- Recommended articles
- Related topics
On This Page
- Key takeaways
- Which pet insurance companies will cover pre-existing conditions?
- Our top picks for pet insurance that covers pre-existing conditions
- FInding the right pet insurance coverage
- What are pet pre-existing conditions?
- How do pet insurance companies identify pre-existing conditions?
- How much does pet insurance that covers pre-existing conditions cost?
- How to find the best pet insurance for pre-existing conditions
- FAQ: Pet pre-existing conditions
- Recommended articles
- Related topics
Hayley Harrison - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Most pet insurance policies don’t cover pre-existing conditions, but there are a few caveats.
If conditions are curable and not chronic, then these conditions can usually be covered by your pet insurance if they have been cured for a certain amount of time.
When you sign up for pet insurance, you’ll be asked to submit your pet’s medical history, and from this, the insurer will determine what conditions are excluded from the policy. Many providers have a lookback period between 1 year and 180 days. If your pet had a condition that was cured before the lookback period, then usually the insurer will cover new acute onset illnesses related to the condition.
It’s also important to note that pets with chronic pre-existing conditions can still qualify for a pet insurance policy, but the insurer won’t pay for expenses related to your pet’s chronic condition.
Simply put, pet insurance coverage is meant to protect you from future expenses, not to pay for current ones.
Our top picks for the best pet insurance for pre-existing conditions
- Spot Pet Insurance: Our Top Pick | 180 Day Lookback Period
- Lemonade Pet Insurance: Great Optional Add-ons | 12 Month Lookback Period
- MetLife Pet Insurance: Carryover Coverage from Previous Provider | Variable Lookback Period
- Embrace Pet Insurance: Discounts Available | 12 Month Lookback Period
- Figo Pet Insurance: 100% Reimbursement Option | 12 Month Lookback Period
- Pets Best Insurance: Highly Customizable | 180 Day Lookback Period
- Pumpkin Pet Insurance: Great for Senior Pets | 180 Day Lookback Period
- Paw Protect: Great Direct-Pay Service | 12 Month Lookback Period
- Fetch by The Dodo: Unique & Special Perks | 12 Month Lookback Period
Which pet insurance companies will cover pre-existing conditions?
You may be able to find an insurer to cover your pet’s pre-existing conditions.
| Pet insurance company | Do they cover pre-existing conditions? | Length of lookback period |
|---|---|---|
| Spot | Yes, if curable | 180 days |
| Lemonade | Yes, if curable | 12 months |
| MetLife | Maybe, if curable or covered previously | No specified time |
| Embrace | Yes, if curable | 12 months |
| Figo | Yes, if curable | 12 months |
| Pets Best | Yes, if curable | 180 days |
| Pumpkin | Yes, if curable | 180 days |
| Paw Protect | Yes, if curable | 12 months |
| Fetch by The Dodo | Yes, if curable | 12 months |
Our top picks for pet insurance that covers pre-existing conditions
Advertiser Disclosure
Our Top Pick | 180 Day Lookback Period
Spot Pet Insurance
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$2,500 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000
Why We Like It
Editor's take
With Spot insurance, after 180 days, an injury or illness that is curable and free of treatment and symptoms will no longer be regarded as pre-existing, except for knee and ligament conditions.
Spot offers a wide range of annual coverage and deductible options to suit all budgets and is one of a few providers that offer a discount for owners with multiple pets (10%). They also tend to cover more things than other providers such as advanced care and alternative therapies. There is no maximum enrollment age, meaning elderly pets can get coverage at any time.
Spot offers several plan options including an accident-only plan, an accident & illness plan, and 2 tiers of wellness add-ons (Gold & Platinum) which can cover things like teeth cleaning. Another benefit to Spot is that euthanasia and exam fees (for covered conditions) are included with their accident & illness plan.
Spot has a 14-day waiting period for accidents, illnesses, and ligament/knee conditions. Spot will also cover curable pre-existing conditions if your pet has been symptom-free for at least 180 days.
PROS
- Unlimited coverage option
- Various options to customize your policy
- Preventive care add-on available
- Affordable plans
CONS
- Doesn’t cover prescription food
- Longer waiting period for accident coverage than many insurers
Great Optional Add-ons | 12 Month Lookback Period
Lemonade Pet Insurance
GET A QUOTE
on Lemonade's secure website
Maximum annual coverage
$5,000 - $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Why We Like It
Editor's take
Lemonade pet insurance may cover pre-existing conditions if your pet’s condition has been cured for at least 12 months. However, only certain states are eligible for this coverage.
Lemonade is renowned for its affordable accident & illness coverage and its plethora of customizable plans. They are one of the few pet insurance providers that offer dental coverage and have a convenient phone app that allows you to manage your policy online.
Add-ons from Lemonade include coverage for preventative care, vet visit fees, dental illness, physical therapy, behavioral conditions, and end-of-life care and remembrance.
With Lemonade’s accident and illness plan, there is a two-day waiting period for accidents and a 14-day waiting period for illnesses. Additionally, there is a six-month waiting period for cruciate ligament events. While Lemonade offers excellent coverage at an affordable price, they don’t offer telemedicine, don’t cover spay/neuter costs for pets over 2 years old, and vet fees are extra unless you purchase the add-on.
PROS
- Comprehensive coverage
- Discount for bundling with other policies from Lemonade
- Various add-ons available
CONS
- Age restrictions
- Not available in certain states
- No unlimited coverage option
Carryover Coverage from Previous Provider | Variable Lookback Period
MetLife Pet Insurance
GET A QUOTE
on MetLife's secure website
Maximum annual coverage
$1,000-$10,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $250, $500
Why We Like It
Editor's take
Metlife Pet Insurance may cover certain curable pre-existing conditions when they have been resolved and free of symptoms for some time, such as 180 days or 12 months. They also have the unique benefit of possibly covering a pre-existing condition if it was covered by a previous policy with a different provider.
We love that MetLife has same-day accident coverage, which goes into effect at midnight on the day you buy a policy, a far shorter wait than many pet insurance companies require.
We also like how they offer a variety of discounts for pet parents, like multi-pet discounts, employer benefit discounts, first-responder discounts, health care worker discounts, and more. On top of that, your deductible has the potential to decrease each year you don’t file a claim!
Metlife offers a family plan that allows you to buy one policy, with one deductible and one annual limit, that can be shared between up to 3 pets. This can save you money instead of buying 3 individual policies. However, if one pet has an accident and you reach your annual limit, it means you’ve reached it for all pets on the plan and no more expenses will be covered.
With MetLife, you don’t need an initial exam to enroll your pet, there is no upper age limit, and many accidents and illnesses are covered as part of your insurance plan. Although traditional MetLife accident and illness policies don’t include wellness exams and dental cleanings, you can opt into their preventative care add-on to get coverage for these things and more.
Accident coverage (and wellness coverage, if you choose to opt-in) goes into effect at midnight on the day you enroll your pet. Illness coverage requires a 14-day wait before coverage is effective. Many orthopedic conditions are also covered at the time that illness coverage kicks in.
PROS
- Deductible as low as $50
- Coverage for exotic animals
- No initial exam required for enrollment
- Super short waiting period of accident coverage
CONS
- No unlimited coverage option
- No vet-direct pay
- Max 3 pets for multipet/family policy
Discounts Available | 12 Month Lookback Period
Embrace Pet Insurance
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000
Why We Like It
Editor's take
Embrace pet insurance covers curable pre-existing conditions if your pet has not had any symptoms or treatment for that specific illness for 12 months.
Embrace offers highly customizable plans and discounts to customers with multiple pets (10% off) or who are military members (5% off). Embrace offers an accident & illness plan with optional wellness coverage as an add-on, which covers things like exam fees and prescription drugs. Additionally, Embrace offers a diminishing deductible, meaning that every year you don’t file a claim, your deductible is lowered by $50.
In case of an emergency, you’ll also get access to 24/7 virtual assistance via telemedicine calls which can help you diagnose if it’s necessary to rush to an in-person emergency vet. This feature alone could save you hundreds on vet bills, which is another reason we love Embrace.
With Embrace’s accident and illness plan you’ll have a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.
PROS
- Affordable plans
- Many options to customize plans
- Various discounts available
CONS
- Doesn’t pay vet directly
- No exotic pet coverage
100% Reimbursement Option | 12 Month Lookback Period
Figo Pet Insurance
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%, 100%
Deductible choices
$100, $200, $500, $750, $1,000, $1,500
Why We Like It
Editor's take
Figo may consider covering a pre-existing condition if your pet has been symptom-free for at least 12 months but will review each case to determine if your pet’s condition will be covered.
Figo is known for its fast claim processing which is a huge benefit to its customers. It’s one of the few providers that offer 100% reimbursement (on plans with deductibles of $500+). It’s also great for elderly animals as it has no age limit for enrollment.
Figo has lots of plan options to suit all types of budgets. It offers several pre-set accident & illness plans but also allows you to customize your plan based on your desired coverage limits, deductible, and reimbursement level. You can also opt for add-ons that offer continued wellness coverage and reimbursement for vet exam fees. All plans come with 24/7 vet assistance text-chat, however, video/phone telehealth consultations are also available as part of the wellness add-on.
With Figo, there is a 1-day waiting period for accidents and injuries and 14 days for illnesses.
For dogs, there is also a 6-month waiting period for orthopedic conditions. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy.
PROS
- Fast claim processing
- No max age limit for enrollment
- Short waiting period for accidents and injuries
- 100% reimbursement option
CONS
- Doesn’t pay vet directly
- No accident-only plan option
- More expensive than some insurers
Highly Customizable | 180 Day Lookback Period
Pets Best Insurance
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
Why We Like It
Editor's take
Pets Best insurance will cover a variety of curable pre-existing conditions (excludes knee and ligament conditions) if your pet has been free of symptoms from that condition for at least 180 days.
We like Pets Best as it offers competitively priced plans with a wide range of deductible options. Pets Best offers multiple plans including an Accident-only plan, as well as 3 tiers called Essential, Plus, and Elite.
You can also opt for an add-on for wellness / routine care plans for an extra fee which offers good coverage versus other plans on the market. There is no age limit for sign-ups, meaning you can purchase coverage for your pet later in life. You’ll also get unlimited access to a 24/7 emergency vet hotline for quick consultations at all hours of the day.
Last, but not least, Pets Best is one of the few providers who can pay the vet directly for you. Simply download the reimbursement release form from their website and have your vet’s office sign and agree to receive payment directly from the provider and Pet’s Best will handle the rest.
With Pets Best you can expect a waiting period of 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament conditions. When choosing, note that exam fees are not included in the Essential plan, which is why we recommend opting for a higher-tier plan, such as the Elite plan, with a wellness add-on.
PROS
- Unlimited coverage option
- Many deductible options
- No age limit for enrollment
- Vet-direct pay option
CONS
- Doesn’t cover alternative therapies
- Doesn’t cover breed-specific issues
Great for Senior Pets | 180 Day Lookback Period
Pumpkin Pet Insurance
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$10,000 - Unlimited
Reimbursement choices
90%
Deductible choices
$100, $250, $500, $1,000
Why We Like It
Editor's take
Pumpkin insurance will cover most common, curable pre-existing conditions (excluding knee and ligament conditions) if your pet has been free of symptoms and treatment for that condition for at least 180 days.
We love Pumpkin for its wide-reaching coverage and reimbursement level. Where other companies let you choose low reimbursement levels, Pumpkin ensures you get 90% back from covered claims and has no maximum age of enrollment. As an added benefit, owners with multiple pets get a 10% discount on policies. When it comes to coverage, what is offered as add-ons from other companies comes standard at Pumpkin.
Pumpkin has a standard accident & illness plan that covers exam fees, dental illnesses, behavioral issues, hereditary & congenital conditions, rehab therapies, and end-of-life services. You can also customize your plan with an optional add-on for preventative care.
With Pumpkin’s accident & illness plan, there is a 14-day waiting period. While this is longer than some other providers, Pumpkin has no extended waiting period for hip dysplasia or knee injuries making it a great option for animals prone to joint issues. On the downside, their add-on plan for preventive care doesn’t have a lot of coverage.
PROS
- Unlimited coverage option
- Optional wellness add-on available
CONS
- Only one reimbursement option
- No vet-direct pay
Great Direct-Pay Service | 12 Month Lookback Period
Paw Protect
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Why We Like It
Editor's take
Paw Protect may cover curable pre-existing conditions if your pet has not had any symptoms or treatment for that specific illness for 12 months.
Paw Protect is a relatively new provider but has taken the market by storm. One of its main draws is that it offers customers a $2,000 interest-free charge card that can be used to pay the vet directly, so you have no out-of-pocket expenses. Most other providers require you to pay upfront and be reimbursed.
Paw Protect offers an accident & illness plan as well as an optional Wellness plan available as an add-on. Like some other providers, it comes with 24/7 telemedicine coverage which allows you to speak to a vet in case you have an emergency and aren’t sure whether to take your animal in for a visit. It also offers considerable discounts if you have multiple pets (10% off) or are a military member (5% off).
Paw Protect accident and illness plan has a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.
PROS
- Unlimited coverage option
- Wellness plan add-on available
- Pays vet directly
CONS
- Max age for full coverage
- Doesn’t cover boarding
Unique & Special Perks | 12 Month Lookback Period
Fetch by The Dodo
GET A QUOTE
via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - $15,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$300, $500, $700
Why We Like It
Editor's take
Fetch may cover pre-existing conditions as long as they are curable (like acute infections) and your pet has been free of symptoms and treatment for the condition for 12 months.
Fetch by The Dodo offers simple and straightforward plans with some of the most comprehensive coverage on the market. Fetch only offers their standard accident & illness plan which includes TeleVet services and dental coverage at no extra cost. However, unlike other providers, there is no preventative/wellness plan option with this provider.
There is no age limit for enrollment and it offers unique perks that most other providers don’t offer. For example, if your pet is lost, Fetch will cover expenses for lost pet ads and will even chip in to offer a reward. If you’re in the hospital, they’ll cover pet boarding fees. While not unique to Fetch, they also offer a 10% discount to military members.
Fetch has a waiting period of 15 days for accidents & illness and a 6-month waiting period for injuries for knee & hip injuries. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy with no pre-existing orthopedic conditions.
PROS
- Very comprehensive coverage
- Included telehealth services
- Covers boarding fees if owner is in the hospital
- Add-on coverage available
CONS
- No accident-only plan
- No multi-pet discount
- Requires pets to have a yearly checkup
Advertiser Disclosure
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Period"},"illness-waiting-period":{"id":"6536871aa732db09a5ac8e52","active":true,"slug":"illness-waiting-period","property_group_slug":"eligibility","property_order":"31","key":"Illness Waiting Period"},"orthopedic-waiting-period":{"id":"6536871aa732db09a5ac8e62","active":true,"slug":"orthopedic-waiting-period","property_group_slug":"eligibility","property_order":"32","key":"Orthopedic Waiting Period"}}}
Compare Coverage
Accident & Illness Plan
Available
Available
Accident-Only Plan
Available
Not Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Covered
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Covered
Covered
Alternative Therapies
Covered
Covered
Behavioral issues
Covered
Covered
Breed Specific Issues
Covered
Covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Covered
24/7 Vet Chat
Covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Covered
Covered
Blood Tests
Covered
Covered
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Covered
Add On
Microchipping
Covered
Add On
Boarding
Not covered
Not covered
Euthanasia
Covered
Covered
Max Enrollment Age
No Max
14 years
Accident Waiting Period
14 days
2 days
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
14 days
6 months
What are pet pre-existing conditions?
Pre-existing conditions are health conditions your pet has when you sign up for coverage or that start during a waiting period after you purchase a policy. This can potentially be avoided if you choose pet insurance with no waiting period.
It doesn’t matter if your pet has received a diagnosis from a veterinarian. If your dog or cat has a symptom of a condition before you purchase coverage, pet insurance plans are unlikely to pay for veterinary costs associated with treatment.
Pre-existing health conditions for pets are broken down into four categories. Let’s take a look at each one.
Curable pre-existing conditions
Curable conditions are ones your pet can recover from with treatment.
Curable pre-existing conditions include issues like:
- Ear infections
- Urinary tract infections
- Diarrhea
- Respiratory infections
Generally, pet insurance won’t cover curable pre-existing conditions your pet has when a policy takes effect, but that doesn’t mean they can’t be covered in the future. Pet insurance providers may state that after your pet is symptom-free for a set period of time, such as 6 months, the condition can be covered.
For example, imagine your dog has an ear infection when you purchase a policy. Since the infection is a pre-existing condition, the insurer won’t cover the vet visit or the antibiotics needed to diagnose and treat it.
A year goes by and your pet develops another infection. Since they didn’t have a symptom for more than 6 months, the insurance policy will now reimburse you for covered expenses related to treatment.
Keep in mind that some conditions may be excluded from the curable pre-existing conditions category even if they’re fixable. For instance, cruciate ligament conditions in dogs are curable and may be repaired through surgery. However, many pet insurance plans won’t cover the treatment, even if a pet goes for an extended period of time without a symptom.
Incurable pre-existing conditions
Incurable pre-existing conditions are chronic conditions a dog or cat will have for life.
These incurable pre-existing conditions include things like:
- Allergies
- Arthritis
- Cancer
- Diabetes
- Heart disease
- Kidney disease
- Congenital conditions (ones that are present at birth)
Pet insurance companies typically won’t pay for expenses related to these types of incurable health problems at any time since they’re long-term issues.
Genetic conditions
Genetic conditions are those passed on to a dog or cat from their parents. You may sometimes see them referred to as hereditary conditions, and they’re most common among purebred dogs and cats.
Some examples of genetic conditions include:
- Intervertebral disc disease (IVDD)
- Patellar luxation
- Cherry eye
Pet insurance typically won’t pay any vet bills related to hereditary conditions.
Bilateral conditions
Bilateral conditions are medical issues that can occur on both sides of a pet’s body.
Examples of bilateral conditions include:
- Hip dysplasia
- Elbow dysplasia
- Cataracts
An insurance company may cover some bilateral conditions when they occur for the first time on one side of a dog or cat’s body. However, many policies then consider the condition pre-existing and won’t pay to treat the problem if it affects the other side in the future.
There are some exceptions, however. Some pet insurance providers offer an add-on to standard coverage for bilateral health issues. You pay an extra fee per month for this additional benefit.
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How do pet insurance companies identify pre-existing conditions?
Pet insurers identify pre-existing conditions in three ways:
- Veterinary checkup: You may need to take your pet to the vet for a checkup during the application process.
- Medical records review: You may need to give the insurance company permission to review your pet’s medical history.
- Medical questionnaire: You may need to fill out a form that asks about different symptoms and conditions.
As previously mentioned, it’s not necessary for a vet to diagnose a pet with a condition for it to be considered pre-existing. If your pet has a symptom of a condition when you apply for coverage, the insurance policy is unlikely to cover blood work, x-rays and other tests to diagnose the symptom as well as related treatments in the future.
How much does pet insurance that covers pre-existing conditions cost?
The cost of pet insurance for a dog or cat with medical conditions depends on a variety of factors.
For example, dog insurance is typically more expensive that cat insurance.
Other factors that determine the cost of pet insurance for animals with pre-existing conditions include:
- Your pet’s breed
- Your pet’s age
- Your geographic location
- Type of plan
- Deductible amount
- Coverage limits
- Coinsurance amounts
Here’s a quick rundown of the average annual premiums.
| Type of plan | Average dog insurance cost | Average cat insurance cost |
|---|---|---|
| Accident-only | $387.01 | $122.19 |
| Accident and illness | $640.04 | $200.58 |
This data comes from the North American Pet Health Insurance Association.
How to find the best pet insurance for pre-existing conditions
Pre-existing conditions shouldn’t prevent you from getting pet insurance for your dog or cat.
In fact, they only make coverage more important. After all, you already know you’ll have ongoing vet expenses. Even though the policy likely won’t cover pre-existing conditions, pet insurance may still be worth it by helping to limit your costs and make care more affordable.
To get the cheapest pet insurance possible, follow these tips:
1
Ask about discounts:
Some companies offer discounts that can reduce costs. For example, you might get a multi-pet deal if you buy policies for more than one pet through the same company or bundle other types of insurance like car or homeowners policies with pet insurance.
2
Act now:
Pet insurance costs go up as your pet ages. Buying a policy as soon as possible can help you lock in a lower rate, making premiums more affordable even with pre-existing conditions.
3
Focus on preventive care:
Being a responsible pet owner may help reduce the costs of vet care. Take your dog or cat for wellness visits as often as recommended and keep their vaccinations up to date.
4
Explore alternatives:
Payment plans and discount membership services like Pawp and Eusoh can help make vet care more affordable and manageable. You can use these services to help cover costs associated with pre-existing conditions not covered by your policy.
5
Shop around:
Premium costs can vary greatly between providers. To get the best deal, obtain quotes from multiple insurers. Remember that deductibles, coinsurance rates and coverage limitations also affect your total cost, so consider these factors as well as premium amounts.
FAQ: Pet pre-existing conditions
What is considered a pre-existing condition for pets?
A pre-existing condition is a health problem a pet has been diagnosed with or has a symptom of when you apply for insurance coverage.
How do pet insurance companies know about pre-existing conditions?
Pet insurance companies usually require that pets undergo a veterinary exam or ask to review your pet’s medical records before approving an application. In some cases, they may also require that you to fill out a questionnaire.
Can I get pet insurance after a diagnosis?
Yes, you can usually still obtain insurance for a pet after a diagnosis, but the policy likely won’t cover any expenses related to the pre-existing condition.
Can I get reimbursed for previous wellness services?
No, pet insurance typically only pays for services your pet receives after you purchase coverage. It’s meant to protect you from future costs rather than to pay for previous expenses.
What is a pre-existing condition waiting period?
In some cases, pet insurance companies impose a pre-existing condition waiting period that begins on the date the policy takes effect, known as the effective date. If you purchase a policy with a waiting period, the insurance may not cover any health conditions your pet develops during this period.
About the Author
Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.
Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.
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