When it comes to pet insurance, pre-existing conditions are a major concern. Pre-existing conditions are illnesses or injuries that your pet has had prior to enrolling in an insurance plan. These conditions can range from cancer and heart disease to hip dysplasia and diabetes. Unfortunately, most pet insurance companies do not cover these pre-existing conditions, making it difficult for pet owners to get the care they need for their furry friends.
It’s important to be aware of what constitutes a pre-existing condition when considering pet insurance. Generally, any illness or injury that your pet has had before enrolling in an insurance plan is considered a pre-existing condition. This includes any signs or diagnoses of an illness that show up in your pet’s medical record prior to enrollment in the plan. It’s also important to note that some insurers may require a waiting period before your pet is eligible for certain types of coverage, such as accidents and illnesses.
It’s also important to understand how pre-existing conditions are treated by different insurers. While most pet insurance companies do not cover pre-existing conditions, there are some exceptions. For example, AKC Pet Insurance is the only insurer that offers coverage for pre-existing conditions after 365 days of continuous coverage (in FL and WA only). Additionally, some insurers may offer limited coverage for certain types of pre-existing conditions if they have been stable for a certain period of time prior to enrollment in the plan.
When it comes to finding the right pet insurance policy for you and your furry friend, it’s important to read through all the fine print carefully so you know exactly what is covered and what isn’t. Knowing what constitutes a pre-existing condition can help you make sure you get the best possible coverage for your beloved companion animal.
