Pet Insurance Pre-Existing Conditions

The precise definition of a pet insurance pre-existing conditions varies from one provider to another.

For example:

  1. One policy defines any illnesses that occurred 18 months before enrollment as pre-existing.
  2. Another provider defines pre-existing conditions as injuries, illnesses, and irregularities noted by the vet before the waiting period expires.

Do any pet insurance policies cover pre-existing conditions?

No, all pre-existing conditions are excluded from coverage and no providers cover them.

What Are Pet Insurance Pre-Existing Conditions?

Factors that qualify as the pre-existing conditions include:

  • Common ills including diabetes, hypothyroid, heart disease, and arthritis
  • Respiratory infections
  • Urinary tract infections
  • Vomiting and diarrhea
  • Pre-existing curable conditions

Exceptions to the Rule

Pet insurance providers can adjust their policies as necessary to fit your needs. It’s possible to get your pet’s pre-existing health issues included in the policy but this type of plan customization requires you calling the pet insurance provider to negotiate.

Visit our provider comparisons page to compare other important limits and exclusions between top pet insurance companies.

  1. Reply
    Anonymous 06/27/2017 at 1:17 am

    I had bought pet insurance and my dog who will soon be three had 3 grand mall seizures and is diagnosed with idiopathic Epilepsy. Well the insurance will not cover because it happened weeks before waiting period was over. Would you cover her?

  2. Reply
    Diane 06/27/2017 at 1:21 am

    I insured my dog and had to wait a month for coverage. Well weeks into waiting for insurance my dog who will be 3 soon had three grand mall seizures one day She is now diagnosed with idiopathic Epilepsy. The insurance will not cover treatment because it happened weeks before coverage. They say it is pre existing. Would you cover her?

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