Does pet insurance cover pre-existing conditions?
Unfortunately, no. At this time, no pet health insurance plans cover pre-existing conditions. This is why it is so important to make sure that your pet is insured early on, in case serious conditions should arise.
What pre-existing conditions are not covered by pet insurance?
No pre-existing conditions are covered by pet insurance.
How do pet insurance providers know about pre-existing conditions?
In order to receive coverage from a pet health insurance carrier, your dog or cat will likely receive a full physical examination. This process is designed so that the individual examining your pet will be able to determine your pet’s health, which includes identifying pre-existing conditions and your pet’s likelihood of developing illnesses.
Can I get pet health insurance after a diagnosis?
Technically, yes. You can insure your pet after a diagnosis. However, none of the care related to that pre-existing condition’s diagnosis will be covered by your new insurance plan.
Can I get pet insurance if my pet is already sick?
Even if your pet has a pre-existing condition, you should still consider purchasing a pet insurance policy. Although the plan will not cover care related to the pre-existing condition, it will still cover other treatment and care. It is important to consider that if your dog or cat already has one condition, he/she may be more likely to develop other issues down the road. It is impossible what other symptoms, situations or illnesses could arise. To be on the safe side, it is imperative that you protect your pet by developing a pet insurance plan that takes his/her needs into account, such as preventative care procedures.