Pre-Existing Conditions: What’s Not Covered?
The precise definition of a pre-existing condition varies from one provider to another. For example:
- One policy defines any illnesses that occurred 18 months before enrollment as pre-existing.
- 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 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.