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Pre-Existing Conditions and Pet Insurance


What is a Pre Existing Condition?


A pre-existing condition is any illness or injury that first occurred or showed signs prior to your policy starting.

If your pet has suffered from a specific illness, injury or other health condition prior to enrollment then it will be considered a pre-existing condition and will not be covered by pet insurance.

Unfortunately no pet insurance company covers pre-existing conditions, which is why it's so important to enroll in a plan while your pet is healthy!

Examples of Pre-Existing Conditions

Example #1 - Your Dog is Limping

Your dog has been limping for a couple of weeks so you decide to sign up for a pet insurance policy on July 1st.

You take your dog to the vet on July 3rd and x-rays show he has a broken leg.

The broken leg would be considered a pre-existing condition and would not be covered because the injury happened before you enrolled.

Outcome - Not Covered

Example #2 - Foreign Body Ingestion

You enroll in a pet insurance plan on December 1st. Then on Christmas Day, December 25th, your dog eats a bunch of wrapping paper.

You take him to the vet and find out there is a sever obstruction in his stomach and he needs surgery.

Luckily your waiting period has passed so this claim would be covered because it is not a pre-existing condition.

Outcome - Covered

Example #3 - Bladder Infection

You enroll in a pet insurance plan on March 1st. Over a year later your dog suffers from a serous respiratory infection and needs IV's from the vet.

Your dog has had a respiratory infection a few years ago so you're concerned whether or not this episode will be covered by your plan.

Some companies will cover curable health issues like respiratory infections or diarrhea after they've been cured for 12 months after enrollment.

Outcome - Depends



It's safe to assume that any injury or illness your pet had before enrollment will be considered pre-existing and will not be covered.

It's also conservative to assume that any related health issues to a pre-existing condition will also be excluded.

For example, if your dog had surgery and six months later an infection occurred at the of the operation. That would be considered pre-existing.

The best bet is to enroll in a pet insurance plan before your dog or cat suffers from a health issue!

Still Not Sure?

If you still aren't sure whether or not your pet has a pre-existing condition you can ask for a free veterinary review prior to enrollment.

The review will list any pre-existing conditions and outline what will be covered and what will not.

If you'd like a free veterinary review fill out our quick quote form. One of our licensed agents will reach out and you can ask them you'd like a veterinary review for your pet.

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