Pet insurance can be a valuable way to protect your furry friend from unexpected veterinary expenses. However, many pet insurance policies exclude coverage for pre-existing conditions, which are any medical conditions that your pet has before the policy is purchased. This can be a major drawback, especially if your pet has a chronic or serious condition.

### Are There Any Pet Insurance Plans That Cover Pre-Existing Conditions?

Yes, there are a few pet insurance plans that offer coverage for pre-existing conditions. However, these plans are typically more expensive than plans that exclude pre-existing conditions. Additionally, the coverage for pre-existing conditions may be limited. For example, the plan may only cover a certain amount of money for treatment of the pre-existing condition, or it may only cover treatment for specific conditions.

### What Pet Insurance Plans Cover Pre-Existing Conditions?

Here are some examples of pet insurance plans that cover pre-existing conditions:

  • Embrace Pet Insurance: Embrace offers a plan called the "Whole Pet with Wellness" plan that covers pre-existing conditions. However, there is a waiting period of 12 months before coverage for pre-existing conditions begins.
  • Figo Pet Insurance: Figo offers a plan called the "Lifetime Premium" plan that covers pre-existing conditions. However, there is a six-month waiting period before coverage for pre-existing conditions begins.
  • Healthy Paws Pet Insurance: Healthy Paws offers a plan called the "Complete Coverage" plan that covers pre-existing conditions. However, there is a 12-month waiting period before coverage for pre-existing conditions begins.
### What You Should Consider Before You Purchase a Pet Insurance Plan That Covers Pre-Existing Conditions

Before you purchase a pet insurance plan that covers pre-existing conditions, you should consider the following factors:

  • The cost of the plan: Plans that cover pre-existing conditions are typically more expensive than plans that exclude pre-existing conditions.
  • The coverage for pre-existing conditions: The coverage for pre-existing conditions may be limited. For example, the plan may only cover a certain amount of money for treatment of the pre-existing condition, or it may only cover treatment for specific conditions.
  • The waiting period: There is typically a waiting period before coverage for pre-existing conditions begins. This waiting period can range from six months to 12 months.
### Conclusion

If you have a pet with a pre-existing condition, you may want to consider purchasing a pet insurance plan that covers pre-existing conditions. However, you should carefully consider the cost of the plan, the coverage for pre-existing conditions, and the waiting period before making a decision.

Is There Any Pet Insurance That Covers Pre-Existing Conditions?