Pet Insurance For Older Dogs With Pre Existing Conditions

When considering pet insurance another thing you should consider is Pet Insurance For Older Dogs With Pre Existing Conditions if your pet is a dog for example.

Some insurance providers do not cover pre-existing conditions this is due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage.

However, some pet insurance providers provide coverage for pre-existing condition; example Petsure:


How can I get pre-existing conditions cover for my pet?

When getting a quote for your pet, you will be asked to declare medical conditions they have had in the last two years. You will also answer a few questions about their current health. You have the power to tailor the policy to your pet’s needs, as well as suit your budget.

Select your preferred vet fee cover up to £15,000, decide if you would like to pay an excess (and how much), and choose any optional add ons.

You never have to fret about any hidden costs. If your pet can be covered, you’ll be offered a clear and fair price for your policy. If you’re switching to Petsure from your current provider, your cover could start immediately**.

Has your cat or dog had an illness such as abscesses, arthritis, bronchitis, or FIV? These are some of the conditions which have been covered for other pets. You get peace of mind, and your pet can carry on being their adventurous self.

READ: Is Pet Insurance Worth It For Indoor Cat?

What is Pet Pre-Existing condition:

A “pre-existing condition” is defined by pet insurance companies as a disease or injury that occurred before coverage begins (including any waiting period).

Even if your pet has not been diagnosed with a disease or injury, an insurer can deny coverage if your pet was exhibiting any symptoms of a disease or injury before coverage began.

Types of pre-existing conditions

There are generally two (2) types of pre-existing conditions.

  1. Curable pre-existing condition
  2. Incurable pre-existing condition

Curable conditions include:

  • Bladder infections
  • Diarrhea
  • Ear infections
  • Respiratory infections
  • Urinary tract infections
  • Vomiting

Incurable pre-existing conditions:

  • Allergies
  • Arthritis
  • Bladder crystals
  • Cancer
  • Diabetes
  • Epilepsy
  • Heart disease
  • Hip dysplasia
  • Kidney disease
  • Orthopedic conditions
  • Urinary blockages

Some Pet Insurance Companies That Covers Preexisting Conditions

While no pet health insurance plans cover pre-existing conditions, Embrace handles them differently to get you the most coverage.

12-month medical history review 

We only review the last 12 months of your pet’s medical history to establish pre-existing conditions. Some pet insurance companies review the past 24 months or your pet’s entire life.

Curable and incurable conditions 

Some conditions are curable and we want to cover them. For example: Your pup had an upset tummy with vomiting three months before enrollment. If he’s symptom- and treatment-free for a year, that condition is eligible for coverage in the future.

READ: Should I Get Pet Insurance Before Going To The Vet?

What’s Covered?
Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so you can follow your vet’s recommendations with less worry about cost.
Accidents: Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses: With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.
Hereditary & Congenital Conditions: This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Behavioral Issues: Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Others are:

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