Pet insurance that covers preexisting conditions

In the past few decades, pets in American families have lived longer due to access to veterinary care, vaccination, vaccination and improved living environments. But with an increase in the average life expectancy, a greater number of dogs and cats with chronic conditions such as cancer and diabetes.

Undoving pets can help bearing the care needed to keep their pets more healthier. But unlike human health insurance, pet insurance does not generally cover the conditions in advance. here

Learn more: How does pet insurance work?

Pet insurance companies usually determine a pre -existing condition because any disease, disease, anomalies, or injury occurred before the date of the start of the policy coverage or during the waiting period – even if your pet is never gone to see a veterinarian about the condition and has never been officially diagnosed.

This includes any problem that has occurred as a result of a pre -existing condition. For example, if your cat is developed in severe urinary tract infection due to poor management of diabetes, the treatment will not be covered for both infection and diabetes by pet insurance.

Examples of healing conditions:

Learn more: What is covered in pet insurance?

Here are examples of pet insurance companies that cover the conditions in certain conditions.

Akc Pet Insurance offers coverage for pre -existing conditions after pets spent 365 days of continuous coverage with AKC. This can include coverage of conditions such as cancer, allergies, and even ligament injuries.

Aspca and pet insurance spot

If you have ASPCA or instant pet insurance and your pet is free of symptoms and without treatment for 180 days, her condition can be considered before healing and will be covered if it happens again. Knee and ligament conditions are excluded from this.

Learn more: ASPCA pet insurance review

PET INSURANCE says that if your pet has a pre -existing condition, symptoms are free and free for a year, it will cover the condition if it returns, “says PET INSURANCE. Uneoclated cases include bone issues, allergies, cancer and diabetes.

Learn more: Embrace a pet insurance review

Felix Pet Insurance is exclusively for cats, but it covers some of the conditions in advance after 365 days of continuous coverage. Felix encourages customers to check the details of their policy and contact to verify whether the cat’s condition will be covered.

The existing conditions are covered by healing by bringing in pet insurance if your pet has gone 12 months without signs, symptoms, or treatment. For example, urinary tract infections, respiratory infections, digestive problems, and broken bones are healing cases.

Figo Pet Insurance also has a list of curable and curable conditions on its website, and says it can extend coverage after 12 months if your pet is free of symptoms. Figo encourages pets to contact him directly for more information about whether the condition of the pets can be covered.

Learn more: Vico pets insurance review

Hartville PET INSARANCE covers pre -healing conditions after 180 days free of symptoms or treatments – except for knee or ligament conditions.

Ensuring the lemon with pets will extend the coverage of the preceding conditions of the treatment that has been treated or solved for 12 months, depending on the situation in which they live. However, they do not classify knee or ligament conditions and some chronic diseases as healing.

Although Metlife Pet Insurance does not cover the conditions in advance, there is little gap: if you are previously covered by the Metlife Group Police and I switched to Metlife Pet Insurance, you will continue to provide coverage of any previously existing conditions covered by Metlife Plastic Group.

Learn more: Best pet insurance companies

According to the North American Pet Health Industry report for 2025, these are the most common medical problems for dogs and cats.

• Digestive problems such as diarrhea or vomiting

• Earitis and ear infections

• Allergies

• Skin conditions or infections

• Urinary tract infections, kidneys and bladder

• Issues, behavioral and nervous

• Growth or mass

• Arthritis from osteoporosis

• Muscle and bone issues

• Vision disorders and eye disorders

• Dental diseases

• Digestive problems such as diarrhea or vomiting

• Urinary tract, kidneys, or infection

• Earitis and ear infections

• Respiratory disease

• Dental

• Diabetic

• Hyper thyroid gland

• Skin conditions or infections

• Issues, behavioral and nervous

• Vision disorders and eye disorders

• Arthritis and arthritis

Learn more: Is pets insurance worth it? How to decide.

There are several ways for pet insurance companies to determine whether your pet has a pre -existing condition. This may be during the registration through a required review of the medical records and date of your pet, or when the pet insurance company requires visiting an initial veterinarian to create coverage. If you submit a claim, the insurance company usually requires medical records to determine whether the treatment that is treated may be pre -preserved.

The pet insurance company may also ask you in advance if you are aware of any pre -existing conditions. Your sincerity is important because trying to hide conditions can be considered a fraud for insurance, which are reasons for canceling your policy.

You can still buy pets insurance for a pet with pre -existing conditions. The pre -existing metal condition will not lead to a complete denial of politics. But the policy will not cover the treatment of this condition. However, pet insurance can cover new conditions when they appear.

If your pet suffers from preconditions that are likely to be treated and do not include problems in the cruciate ligament, search for one of the above -mentioned pet insurance companies that will cover the conditions after 180 days or a year. During this period, it is still possible to secure your pet and obtain coverage of veterinary services, medicines and expenses that are not related to the pre -existing condition.

Are you worried if you can secure pets at affordable prices for dogs and cats with some medical problems? Here are some tips to deal with the conditions before they become an obstacle to obtaining pets insurance.

Like people, small dogs and cats are usually healthy. Whenever you can start insurance on pets, the more you are locked to cover the problems that appear later in life.

Learn more: Insurance for pets that pay the veterinarian directly: How does it work?

Check the prices from the insurance companies that will consider the condition of your pet for healing after a period of time and weighing the financial preference of some expenses outside the pocket now in exchange for the full coverage promise later.

When your coverage starts or switching to pet insurance companies, you should restart the watch in waiting periods, and the pre -existing status rules will be reset. Thus, the gap in the coverage can be very expensive if you have to pay for the medical bills for the conditions that are now undergoing the existing condition.

wellness-exams-and-routine-care">Advice 4: Do the annual wellness exams and routine care

Even if you do not have a well -known coverage of pets, the annual vaccinations and tests are necessary to prevent expensive diseases and injuries. Regular exercise and quality nutrition can take a long way to feed the health of your pet in the long run.

Learn more: Insurance for pets that cover vaccines

Amy Danis and Tim Mane edited this article.