How to Get Pet Insurance with Pre-existing Conditions

Introduction

Getting pet insurance is a smart way to manage veterinary expenses, but what if your pet already has a health issue? Many pet owners ask: “Can I get pet insurance if my pet has pre-existing conditions?” The short answer is yes—although options may be limited, and coverage may vary.

In this guide, we’ll explain what pre-existing conditions are, how insurance companies treat them, and what steps you can take to get the best possible coverage for your furry friend.

What Are Pre-existing Conditions in Pets?

A pre-existing condition is any illness, injury, or health issue your pet had before you enrolled in a pet insurance policy. This can include:

• Chronic conditions (e.g., diabetes, arthritis)
• Past surgeries
• Recurring allergies or infections
• Congenital issues
• Diagnosed illnesses before coverage begins

Insurance companies usually define these based on medical records, not just symptoms.

Do Pet Insurance Companies Cover Pre-existing Conditions?

Generally, No—But There Are Exceptions

Most pet insurance providers do not cover pre-existing conditions. However, there are exceptions based on the type and severity of the condition.

1. Curable Conditions

Some companies will cover conditions that are considered curable if the pet has been symptom-free for a certain period (usually 6 to 12 months). Examples include:

• Ear infections
• Respiratory infections
• Vomiting or diarrhea (non-chronic)

2. Bilateral Conditions

If your pet has a condition on one side of the body (like a torn ligament), it may not be covered on the other side due to insurance rules.

How to Get Pet Insurance if Your Pet Has a Pre-existing Condition

Even with a pre-existing condition, you can still get helpful coverage. Here’s how:

1. Research Insurance Companies Carefully

Some providers are more flexible than others. Look for those that offer limited coverage or exclude only certain pre-existing conditions.

Top companies to explore:

1. Pet Assure: A discount plan that covers all conditions with no exclusions.
2. Figo: Covers curable pre-existing conditions after a waiting period.
3. ASPCA Pet Insurance: Covers some curable issues if symptom-free for 180 days.
4. Pumpkin Pet Insurance: May provide wellness plans for preventive care.

2. Get a Vet Check-Up Before Applying

Your insurer may ask for recent medical records. A fresh check-up can clarify your pet’s health status and possibly show that previous conditions have resolved.

3. Understand the Waiting Periods

All pet insurance policies have waiting periods—time between signing up and when coverage starts. During this period, any symptoms or diagnoses could be marked as pre-existing.

4. Consider Wellness or Discount Plans

If your pet’s condition makes them uninsurable under traditional policies, consider alternatives:

• Pet Assure: Offers a flat discount on vet bills regardless of your pet’s health.
• Wagmo: Wellness plans that cover vaccinations, dental cleaning, and routine exams.

These won’t cover surgeries or major illnesses but help manage routine costs.

5. Look for Condition-Specific Plans

Some insurers may offer coverage for specific conditions like cancer or arthritis, even if others are excluded.

Questions to Ask Before Buying

When comparing pet insurance options, ask the following:

• Does the policy cover curable pre-existing conditions?
• What conditions are excluded permanently?
• Is there a medical review process before approval?
• How are recurring symptoms treated?
• What is the waiting period for coverage to begin?

Reading the fine print is crucial.

Tips to Manage Vet Costs Without Insurance Coverage

If your pet’s pre-existing condition isn’t covered, don’t worry. There are other ways to manage your pet’s health expenses:

1. Start a Pet Emergency Fund

Set aside a small amount each month to cover vet bills. Over time, this can be a safety net.

2. Use Vet Payment Plans

Some clinics offer flexible payment plans for treatments or surgeries.

3. Seek Nonprofit Help

Look for local or national organizations that offer help for pet owners struggling with vet costs.

4. Buy Discount Pet Prescriptions

Use platforms like GoodRx for Pets to save on medications.

5. Maintain Preventive Care

Keep up with checkups, dental cleanings, and vaccinations to reduce future risks.

Is It Worth Getting Pet Insurance If My Pet Has a Pre-existing Condition?

Yes—if the policy covers new conditions and routine care, it can still be worth it.

Even if one or more existing health issues are excluded, your pet may develop new conditions later in life. Insurance can help you manage those costs and avoid financial stress.

Also, some insurers cover diagnostics, medications, surgeries, and emergency visits unrelated to the pre-existing condition, offering valuable support.

Final Thoughts

Getting pet insurance with a pre-existing condition is possible, but it requires careful research and clear expectations. While most insurers won’t cover ongoing issues, many will still provide valuable protection for future illnesses and accidents.

Start by identifying your pet’s health needs, then compare the best options based on flexibility, affordability, and coverage.

Remember: The earlier you get coverage, the better. The longer you wait, the more likely your pet will develop additional conditions that may be excluded.