What Is a Pet Pre-Existing Condition and Can You Get Insurance If Your Pet Has One?

If your pet already has a health condition when you first get them, it’s called a pre-existing condition. Can you still get insurance for a pet with a pre-existing health problem? Keep reading to learn more about pet insurance and how pet pre existing conditions work.

What does it mean when your pet has a pre-existing condition?

When considering pet health insurance, it is important to understand what a pre-existing condition is. A pre-existing condition is a medical condition that your pet had before you purchased the pet health insurance policy. Most pet health insurance policies do not cover pre-existing conditions. However, some policies may offer coverage for a pre-existing condition if it is diagnosed and treated within a certain time frame after you purchase the policy.

Some common pre-existing conditions include allergies, cancer, digestive problems, heart disease, and congenital conditions. Certain breeds of animals are prone to developing chronic conditions, which is why some pet insurance policies exclude these breeds from coverage or require higher premiums.

How do you find pet insurance if your pet has an existing health issue?

If you are considering purchasing pet insurance for a pet that has a pre-existing condition, it is important to read the policy carefully to see if the specific illness or condition is covered. Many policies do not cover pre-existing conditions, while others will only provide limited coverage or coverage for curable pre-existing conditions.

It is also important to know how long the coverage lasts—some policies only provide coverage for a set period of time after you enroll your pet in the plan.

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Once you have found an insurer who covers pets with pre-existing conditions, the next step is to determine if your pet’s particular condition is covered. Each insurer has its own list of covered and non-covered conditions, so it is important to review this information before enrolling in a policy.

Finally, you will need to provide proof of your pet’s health issue when applying for coverage. This can include medical records, test results, or other documentation from your veterinarian.

What are the benefits of health insurance for pets with pre-existing conditions?

There are some pros and cons to getting pet health insurance if your animal has a pre-existing condition. The main advantage is that you may be able to get coverage for the pre-existing condition if it is diagnosed and treated within a certain time frame after you purchase the policy.

Another benefit of investing in health insurance for your pet is the peace of mind that comes from knowing your furry friend will receive the veterinary care they need when they need it most.

Finally, routine care is included in most pet insurance plans, and typically covers preventive care, annual checkups, and vaccinations. Regular vet visits are important, not only for identifying and treating health issues early but also for maintaining the health of a pet with a pre-existing condition.

As an added benefit, routine care is a great way to avoid more costly vet bills down the line.

How much does pet insurance cost?


There is no one definitive answer to this question as the cost of pet insurance for a pet with a pre-existing condition will vary depending on the insurance company, the specific pre-existing condition, and the type of coverage the pet owner chooses.

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Pet insurance typically costs anywhere between $10 and $50 a month for each pet. Depending on the specific health condition and whether or not it’s treatable, your premiums could be a little higher.

Overall, pre-existing health conditions are important to consider when purchasing pet insurance. Many pet insurance policies will not cover these conditions, so it’s a good idea to find one that does to protect your pet’s health—and your wallet—in the long run.