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Pre-Existing Condition

A pre-existing condition is any health issue that occurs before your policy becomes effective.

The Bad News

If your pet has suffered from a particular health condition before enrolling in a plan it will be considered a pre-existing condition and will not be covered.

The Good News

However, some companies will cover pre-existing conditions that are curable and require no further treatment.

Example #1

Your dog has been limping for a couple of weeks so you sign up for a pet insurance policy on July 1st. You take your dog to the vet on July 3rd and he diagnoses him with 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. Not Covered

Example #2

You enroll in a pet insurance plan on December 1st and on December 20th, after your waiting period has expired, your dog stops eating. You take him to the vet and find out he has a stomach virus that requires $2,000 in treatment. Because the virus occurred after the waiting period this is not pre-existing. Covered

Example #3

Your dog was treated for a fractured hip last year and it is healed. You enroll in a pet insurance policy on March 1st and 3 months later, after your waiting period is up, your dog is diagnosed with arthritis and bursitis. The arthritis and bursitis is a result of the fractured hip and this would be considered a pre-existing condition. Depends.


To be safe, assume that any past or current health issue will be excluded from coverage. If your pet has suffered from a curable health issue in the past then confirm with the company through email that they will cover that issue after you enroll.

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

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