Does pet insurance cover pre-existing conditions?

Pet insurers generally don't cover pre-existing conditions. They also may require waiting periods before your pet is eligible for different types of coverages. It's best to get pet insurance early in your pet's life to help ensure any conditions they develop later in life will be covered. However, there may be alternative options like payment plans that make paying for pre-existing condition bills easier.

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What does pet insurance consider a pre-existing condition?

A pre-existing condition for cat or dog insurance is typically an illness or injury your pet shows signs of any time before the end of your pet insurance waiting period. This may include conditions not yet diagnosed by a veterinarian. Depending on your pet's age and health, common pre-existing conditions include any existing health issue, from allergies to heart disease to epilepsy. With Progressive Pet Insurance by Pets Best, curable issues like broken bones and kennel cough typically can be covered outside of waiting periods.

Whether you're welcoming a new puppy into the family or thinking about pet insurance for an older dog or cat with pre-existing conditions, schedule a wellness appointment with your vet. Be sure to ask about common diseases for the breed. Some breeds, for example, are prone to breathing problems or other serious conditions. Cats can also develop serious health challenges, including cancer, kidney disease, and even diabetes. It may be wise to purchase pet insurance early if your pet will be prone to certain issues later on.

How do pet insurers know about pre-existing conditions?

Depending on your insurer, when you submit a pet insurance claim, they will typically request your pet's medical records to evaluate the claim and determine if the issue predates your waiting period. Always be honest when applying for pet insurance or filing a claim. Withholding known information, like a pre-existing condition, to obtain coverage could be considered insurance fraud.

Can you get pet insurance after a diagnosis?

Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type. The policy simply wouldn't cover any pre-existing conditions, diagnosed or not. Note that with Progressive Pet Insurance by Pets Best, if your pet has certain pre-existing severe chronic conditions, your pet may only be eligible for accidental injury coverage.

Is it worth getting cat or dog insurance if they have pre-existing conditions?

While some pet insurance companies won't cover pre-existing conditions and non-medical needs like holistic therapies, food, supplements, or boarding, it can still be worth it for covering future accidents and illnesses that require expensive treatment.

Example:Your dog's pre-existing breathing condition might not be covered by pet insurance. But if he accidentally breaks a leg while playing or develops cancer after your policy's waiting period, dog insurance can cover those treatment costs, up to the limits of your policy.

Is there any pet insurance that covers pre-existing conditions?

While pet insurance often doesn't cover pre-existing conditions, other options might help you pay for expensive health costs. For example, your veterinarian may be willing to set up a payment plan so your pet can get the care they need when they need it.

How can I get pet insurance?

You can get a pet insurance quote online. You'll be asked some questions; then you'll choose your payment amount, term length, and other policy details. You can also call 1-877-298-0639 to speak with a licensed representative who can help you find the right policy for you.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.