How Does Pet Insurance Know About Pre Existing Conditions?

Are you considering getting pet insurance for your furry friend but worried about pre existing conditions? It’s a common concern among pet owners, as they don’t want to be caught off guard in case their pets are diagnosed with any health issues.

However, you’ll be surprised at how much pet insurance companies know and understand about pre existing conditions. In this blog post, we’ll take a closer look at how pet insurance knows about pre existing conditions and what you need to do if your furry companion has one. So sit back, relax and let’s dive into the world of pet insurance!

What are pre existing conditions?

Pre existing conditions refer to any health issues that your pet has before signing up for an insurance policy. It can be anything from allergies, chronic diseases, or injuries that require ongoing treatment. When you’re applying for coverage, the insurer will ask about your pet’s medical history and any pre existing conditions they have.

It’s important to note that not all insurers define pre-existing conditions in the same way. Some may exclude them entirely from coverage, while others might offer limited coverage depending on the condition. As such, it’s crucial to read through each policy carefully and understand what is covered and what isn’t.

Bear in mind that some policies may also impose a waiting period after sign-up before covering pre-existing conditions. This means you’ll need to pay out of pocket for any treatment related to these conditions during this time as they won’t be covered by insurance until after the waiting period is over.

It’s essential to do thorough research and shop around when looking into getting pet insurance with a pre existing condition so you can find a plan that works best for both you and your furry companion.

How does pet insurance know about pre existing conditions?

Pet insurance companies need to be aware of pre existing conditions in order to assess the level of risk they are taking on when insuring a pet. A pre existing condition is any illness or injury that your pet has already been diagnosed with or received treatment for before you take out an insurance policy.

When you apply for pet insurance, you will usually be asked several questions about your pet’s medical history. This information allows the insurer to determine if there are any pre existing conditions that may affect coverage and pricing.

In addition, some insurers may require a medical examination or review of medical records before issuing a policy. This helps them identify any pre existing conditions that were not disclosed during the application process.

It is important to note that if your pet does have a pre existing condition, it may not be covered by your insurance policy. Some policies exclude coverage for certain conditions altogether, while others may offer limited coverage after a waiting period has passed.

It is essential to disclose all relevant information about your pet’s medical history when applying for insurance so that the insurer can accurately assess their level of risk and provide appropriate coverage options.

How to get pet insurance with a pre existing condition

If your pet has a pre existing condition, getting insurance coverage for them can be tricky. However, there are still options available to you.

Firstly, it’s important to understand that not all pet insurance companies will cover pre existing conditions. Some may have specific restrictions or exclusions in their policies regarding this. It’s essential to thoroughly research and compare different insurers before choosing one.

One option is to look for a policy that covers everything except the pre existing condition. This means you’ll still have coverage for any new illnesses or injuries that your pet may experience in the future.

Alternatively, some insurers offer coverage for pre-existing conditions but with certain limitations. For example, they might only cover treatment up to a certain amount or require higher deductibles and premiums.

It’s also worth considering alternative forms of insurance such as accident-only policies which provide coverage specifically for unexpected injuries rather than ongoing health issues.

Ultimately, finding pet insurance with a pre existing condition requires careful consideration and research. Take the time to read through policies carefully and ask questions when necessary to ensure you find an insurer that meets both yours and your furry friend’s needs.


Pet insurance can be a great resource for pet owners to save money on unexpected veterinary costs. However, it’s important to understand how pet insurance companies handle pre-existing conditions before purchasing a policy.

By definition, pre-existing conditions are health issues that your pet had prior to obtaining an insurance policy. Pet insurance providers will usually exclude coverage for these conditions unless the condition has been cured or resolved and there have been no symptoms or treatments within a certain period of time.

To determine if your pet has any pre-existing conditions, most insurers require you to provide their medical history during the application process. It’s important not to leave out any information as this may result in denied claims later on.

If your pet does have a pre-existing condition, don’t give up hope. There are still options available such as finding an insurer that offers coverage for specific pre-existing conditions or opting for accident-only coverage.

Understanding how pet insurance handles pre-existing conditions can help you make an informed decision when choosing a policy for your furry friend. With proper research and diligence, you’ll be able to find the best plan that suits both yours and your pets’ needs.