Best Pet Insurance for Pre-Existing Conditions
|Written by Aneta Mircevska Updated on October 31, 2021|
Generally speaking, most pet insurance companies exclude coverage for pre-existing conditions due to the fact that pets have a short lifetime, and the cost of treating pre-existing conditions is high. You might be faced with a problem when searching for a pet insurance company that covers these types of conditions, which is why we’re here to help.
When you are looking to buy pet insurance for your dog or cat, you will notice that most insurance providers don’t provide cover for pre-existing conditions.
A lot of people find this confusing, so that’s why we’ve decided to take a closer look at what exactly a pre-existing condition is.
What's the Best Pet Insurance for Pre-Existing Conditions?
What Is a Pre-Existing Condition for Pet Insurance?
A pre-existing condition for pet insurance purposes is any injury or illness that your pet has been suffering from before you started your insurance. This includes any conditions diagnosed before the end of any waiting periods. Also, any associated ongoing costs that relate to the treatment of the pre-existing condition wouldn’t be covered.
Some insurers distinguish between curable and incurable conditions and will provide cover for your pet if their condition is curable, and your dog or cat has been symptom-free for 12 months.
Examples of curable pre-existing conditions are respiratory infections, urinary tract infections, bladder infections, vomiting, diarrhea, and gastrointestinal disorders.
What Pre-existing Conditions Are not Covered?
Conditions like cancer, diabetes, arthritis, allergies, and other chronic conditions would be classified as pre-existing conditions if your pet had them before you took out your pet insurance.
If your pet develops symptoms that your vet recognizes as being associated with an illness or injury that occurred before your insurance policy was active, any associated treatments would also not be covered.
If your pet was involved in an accident and develops medical problems down the track that relate to the initial incident, the treatment might not be covered. Most pet insurers provide a list of pre-existing conditions that they exclude.
Are Allergies Considered a Pre-Existing Condition for Pet Insurance?
Some pets are predisposed to allergies or have seasonal reactions to pollen and grasses.
Allergies are classified as a pre-existing condition for pet insurance if it is an incurable condition, or a reoccurring one. Costs related to the treatment of allergies in cats and dogs will usually only be covered if their allergies occurred after the end of the insurance policy waiting period.
Delaying taking your pet to the vet until after the waiting period has passed is not a solution, because your vet will recognize if the underlying cause of the allergies is related to a pre-existing condition.
Top Pet Insurance for Pre-Existing Conditions
We are now going to present to you’re the top pet insurance companies that offer plans that cover pre-existing conditions.
- Embrace – Covers pre-existing conditions that they classify as incurable and curable.
- Pet Assure – Covers pre-existing diseases.
- Pet Plan – All pets qualify, regardless of their age.
- Pet First – Dogs with chronic disease and hereditary conditions qualify.
- Pawp – Very affordable in case of emergencies.
How We Pick the Pet Insurance for Pre-Existing Conditions
If your pet has a condition that is pre-existing and you want coverage for it, you will need to take out a specific policy that covers pre-existing conditions. These are hard to come across, which is why we’ve searched for pet insurers that include coverage for pre-existing conditions. We checked what conditions are covered and are there restrictions when it comes to the coverage.
Dog Insurance for Pre-Existing Conditions
We reviewed many dog insurance companies providing coverage for pre-existing conditions, and these are the top ones: