Pet insurance that covers pre-existing conditions is a type of insurance policy for pets that provides coverage for medical conditions or illnesses that existed in your pet before you purchased the insurance policy. In most standard pet insurance policies, pre-existing conditions are excluded from coverage. This means that if your pet has a medical condition or injury before you get insurance, any treatment related to that specific condition will not be covered by the insurance policy.
However, some pet insurance providers offer plans that cover pre-existing conditions, but they often come with certain limitations and restrictions. Here’s how it typically works:
1. Waiting Period: Most policies that cover pre-existing conditions will have a waiting period before they become effective. During this time, your pet won’t be eligible for coverage for any pre-existing conditions. The waiting period can vary between insurers.
2. Limited Coverage: Even when a pet insurance policy covers pre-existing conditions, there may be limitations on what they will cover. Some insurers may only cover a certain percentage of treatment costs, while others may have a maximum benefit amount for pre-existing conditions.
3. Eligibility Criteria: Some pet insurance providers may have specific criteria that your pet must meet to be eligible for coverage of pre-existing conditions. For example, they may require your pet to be symptom-free and treatment-free for a certain period before they consider it a covered condition.
4. Increased Premiums: Expect to pay higher premiums for pet insurance that covers pre-existing conditions. The added coverage increases the insurer’s risk, so they charge more to offset potential costs.
5. Documentation: You may be required to provide your pet’s medical history and records, and the insurance company may review these to determine what conditions are considered pre-existing.
It is important to carefully read and understand the terms and conditions of any pet insurance policy, especially if you are interested in coverage for pre-existing conditions. Different insurers have different policies, so be sure to compare options and select the one that best suits your pet’s needs and your budget. Keep in mind that pre-existing conditions are typically more challenging and expensive to insure, and the coverage may not extend to all possible treatments for those conditions.
5 Pet Insurance That Covers Pre Existing Conditions
Pet cover for pre-existing conditions
It’s time to put the spotlight on dogs and cats with pre-existing medical conditions.
You can choose vet fee cover up to £15,000. Even if your pet has a pre-existing condition that can be covered, the choice is always yours. The power is back in your paws with non-compulsory co-payments, even for older canines and felines.
Our lifetime pet insurance has a Defaqto 5 star rating when you pick vet fees over £4k with all optional add-ons included.
As the pet insurance experts we explain more about why covering pre-existing conditions isn’t entirely black and white and how you can ensure you choose a policy that gets your pet the best care possible. Insuring pets is different to insuring a physical object like a car or watch. Like human health, pet health is complex. Some conditions re-occur, an injury on one part of the body can have an impact on the health of another part of the body and other conditions clear up fine and never trouble the animal again.
Petplan do not believe in a ‘one size fits all’ approach to pre-existing conditions. We deliberately don’t have a specific policy for pre-existing conditions because it’s not possible to provide an appropriate level of cover for all pre-existing conditions at an affordable price. If you look at the pre-existing policies that exist in the market most will limit the amount of vet bill cover provided within the first year and in some cases it’s as low as £500. Other policies will not cover any condition until your pet has been clear from it for 24 months.
If you have a pet with a pre-existing condition, Pet Assure may be the perfect option for you. Pet Assure isn’t a pet insurance company. It’s a veterinary discount plan that offers you discounts on vet care for your pets, and best of all, pre-existing conditions DON’T MATTER.
You’ll find that Pet Assure is designed to be simple, efficient, and all-inclusive of any and every pet, regarding of age, existing health conditions, or breed. Every single pet is covered under Pet Assure, with no exclusions. You don’t have to submit past vet records, prove that your pet is healthy, or jump through any other hoops just to get your pet enrolled.
No pet insurance company covers pre-existing conditions, but a pre-existing condition will never prevent you from obtaining pet insurance coverage. Whether your pet’s pre-existing condition is curable or not will determine your coverage options for that condition.
Embrace is one of the few companies that distinguishes between curable and incurable pre-existing conditions, allowing for the greatest long-term coverage. Before signing up, it is important to understand what pre-existing conditions your pet insurance company deems curable or incurable. Curable pre-existing conditions may be covered if the pet goes 12 months symptom and treatment free while incurable pre-existing conditions will never be covered.
Most pet insurance providers exclude pre-existing conditions, denying coverage for injuries or illnesses that occur before a policy. AKC Pet Insurance is the ONLY brand that offers coverage for curable and incurable pre-existing conditions* after 365 days of continuous coverage.
What is Considered a Pre-Existing Condition?
· Cruciate ligament injury
· Cherry eye
· Chronic ear infections
· IBS & IBD
· Hip & Elbow dysplasia
· Heart disease
· Cushing’s disease
· Addison’s disease
· Elevated liver enzymes
With the above information, you can actually get a per insurance for your pet even when it has a pre- existing condition. The companies listed above and more offer this service; you can research more to get a company that best fits your pet need and budget.