Does Pet Insurance Cover Pre Existing Conditions?

Wondering if pet insurance covers pre existing conditions? Learn all about the coverage, what's considered preexisting, and if there are any waiting periods.

The Coverage

Does pet insurance cover pre existing conditions?

The answer is: It depends.

Some pet insurance policies do cover pre existing conditions, while others do not. And those that do cover pre existing conditions may have different terms and conditions, such as waiting periods or coverage limits.

What's Considered Preexisting?

Pre existing conditions are generally defined as any medical condition that a pet has been diagnosed with or treated for before the insurance policy goes into effect.

This can include a wide range of conditions, such as:

• Allergies
• Arthritis
• Cancer
• Dental disease
• Diabetes
• Heart disease
• Kidney disease
• Skin problems
• Thyroid problems

Waiting Periods

If you're considering pet insurance, it's important to be aware of any waiting periods that may apply to pre existing conditions.

A waiting period is a period of time after your pet's policy goes into effect before the insurance company will start covering pre existing conditions.

Waiting periods can vary from policy to policy, but they typically range from 14 to 30 days.

Coverage Limits

In addition to waiting periods, some pet insurance policies may also have coverage limits for pre existing conditions.

A coverage limit is the maximum amount of money that the insurance company will pay for a particular condition.

Coverage limits can vary from policy to policy, so it's important to compare policies before you choose one.

Conclusion

If you're considering pet insurance, it's important to do your research and compare policies to find one that meets your needs.

Be sure to ask about coverage for pre existing conditions, waiting periods, and coverage limits.

You should also make sure that the policy is underwritten by a reputable insurance company.