Pet insurance can be a great way to help cover the cost of unexpected veterinary expenses, but it's important to understand what is and is not covered before you buy a policy. One of the most important things to know about pet insurance is that it typically does not cover pre-existing conditions.

What Are Pre-Existing Conditions for Pet Insurance?

What Are Pre-Existing Conditions?

A pre-existing condition is any medical condition that a pet has before the pet insurance policy is purchased. This can include conditions that are currently being treated, as well as conditions that have been diagnosed in the past but are now in remission.

Some common pre-existing conditions include:

  • Allergies
  • Arthritis
  • Cancer
  • Diabetes
  • Heart disease
  • Hip dysplasia
  • Kidney disease
  • Skin conditions
  • Thyroid disease

Why Are Pre-Existing Conditions Not Covered?

Insurance companies do not cover pre-existing conditions for a few reasons. First, it would be too expensive for them to do so. If they covered pre-existing conditions, they would have to charge much higher premiums to all of their policyholders. This would make pet insurance unaffordable for many people.

Second, insurance companies cannot predict how much it will cost to treat a pre-existing condition. This is because the severity of the condition can vary widely from pet to pet. As a result, insurance companies would be taking on a lot of financial risk if they covered pre-existing conditions.

What if My Pet Has a Pre-Existing Condition?

If your pet has a pre-existing condition, you may still be able to get pet insurance. However, you will likely have to pay a higher premium. You may also have to wait a certain period of time before your pet is eligible for coverage for the pre-existing condition.

It is important to talk to your veterinarian about your pet's pre-existing condition before you buy a pet insurance policy. Your veterinarian can help you understand the condition and how it might affect your pet's health in the future. Your veterinarian can also help you find a pet insurance policy that is right for your pet.

Conclusion

Pre-existing conditions are a common exclusion in pet insurance policies. This is because it would be too expensive for insurance companies to cover them. If your pet has a pre-existing condition, you may still be able to get pet insurance, but you will likely have to pay a higher premium. You may also have to wait a certain period of time before your pet is eligible for coverage for the pre-existing condition.