Pet insurance can be a valuable way to protect your furry friend from unexpected veterinary expenses. But what if your pet is already diagnosed with a condition? Can you still get pet insurance?

Can You Get Pet Insurance After Diagnosis?

The Short Answer

In most cases, no. Pet insurance companies typically exclude coverage for pre-existing conditions. This means that if your pet is diagnosed with a condition before you purchase a policy, the insurance company will not cover any expenses related to that condition. However, there are a few exceptions to this rule.

Exceptions to the Rule

Some pet insurance companies offer coverage for pre-existing conditions if the condition is managed and stable. This means that the condition is not causing your pet any pain or discomfort and is not expected to worsen in the future. The insurance company may also require you to provide a veterinarian's statement confirming that the condition is managed and stable.

Another exception to the rule is if your pet is diagnosed with a condition after you purchase a policy. In this case, the insurance company will typically cover the expenses related to the condition, as long as the condition is not related to a pre-existing condition.

What to Do If Your Pet Has a Pre-Existing Condition

If you are considering purchasing pet insurance and your pet has a pre-existing condition, there are a few things you can do:

1. Shop around for a pet insurance company that offers coverage for pre-existing conditions.

2. Be prepared to pay a higher premium for coverage.

3. Provide the insurance company with a veterinarian's statement confirming that the condition is managed and stable.

Conclusion

While it is possible to get pet insurance after your pet is diagnosed with a condition, it is important to shop around and compare different policies before you make a decision. Be sure to read the policy carefully and understand the exclusions and limitations before you sign up.