Insurance for Pets with Pre Existing Conditions
Image Credit: Freepik

When it comes to ensuring the well-being of your furry companions, finding the best pet insurance for pre-existing conditions is of paramount importance. Pet owners understand the profound bond they share with their four-legged family members, and providing them with the best care is a top priority. However, if your pet has pre-existing medical conditions, it can be a challenge to secure the right insurance coverage. Brands like Spot Pet Insurance Pre Existing Conditions and ASPCA Pet Insurance Pre Existing Conditions have tailored solutions to address this concern, but you might be wondering: How does Pet Insurance know of Preconditions? In this guide, we will delve into the world of pet insurance for pre-existing conditions, offering valuable insights and hints to help you guide this complex terrain and ensure that your beloved pets receive the care they need.

What Are Pet Pre-Existing Conditions?

Pet pre-existing conditions refer to health issues or illnesses that your pet has before obtaining pet insurance coverage. These conditions can include chronic diseases, injuries, or genetic disorders that showed symptoms before the policy’s effective date. Common examples of pre-existing conditions in pets are diabetes, arthritis, and heart disease, but they can vary from one animal to another.

Pre-existing conditions are significant for pet insurance because they are generally out of coverage. This means that any medical expenses related to these conditions are not by the insurance company. When getting pet insurance, review the terms to understand what pre-existing conditions are and any coverage limitations. Some insurers may offer coverage for pre-existing conditions with specific criteria, but inquire about waiting periods or restrictions.

Insurance for Pets with Pre Existing Conditions 

Insurance for pets with pre-existing conditions is challenging. Most insurers exclude coverage for these conditions to manage costs and risks. Some may offer coverage for pre-existing conditions with certain restrictions or waiting periods. It’s essential to carefully review policy terms and inquire about specific options when insuring pets with pre-existing conditions. Pet owners should weigh the potential benefits and limitations of coverage for pre-existing conditions.

Best Pet Insurance for Pre-existing Conditions 

Selecting the best pet insurance for pre-existing conditions requires careful consideration and research. Several providers offer options to cater to various pet owners’ needs, including Embrace, Paw Protect, Spot, Figo, and Fetch. Here’s an overview of each:

#1. Embrace

 Embrace stands out for its comprehensive coverage and flexibility. Though they don’t cover pre-existing conditions, they provide a unique “Diminishing Deductible” feature. Your deductible decreases each claim-free year, aiding future expenses. Embrace provides customizable policies to suit your budget and needs.

#2. Paw Protect

 Paw Protect focuses on providing coverage for pre-existing conditions. They offer a dedicated pre-existing condition plan that may be appealing if you have a pet with such conditions. While this can be beneficial, it’s essential to evaluate the policy’s terms and premiums.

#3. Spot Pet Insurance Pre-Existing Conditions

Spot offers a specific plan for pre-existing conditions, covering them after a waiting period. They aim to make pet insurance accessible to a wide range of pet owners with straightforward policies and coverage.

#4. Figo

Figo’s pet insurance policies are known for their technology integration. While they do not cover pre-existing conditions, their plans offer comprehensive coverage for new accidents and illnesses. They also have a mobile app for easy claim processing.

#5. Fetch

 Fetch offers customizable policies with various coverage options. While they don’t cover pre-existing conditions, they provide comprehensive coverage for new health issues, including accidents, illnesses, and hereditary conditions.

When considering the best pet insurance for pre-existing conditions, it’s crucial to assess each provider’s terms, waiting periods, premiums, and coverage options. Your choice should align with your pet’s specific needs and your budget. Additionally, discussing your pet’s health history with insurers can help you make an informed decision.

Spot Pet Insurance Pre-Existing Conditions 

Spot Pet Insurance has a distinctive approach to pre-existing conditions. While they don’t offer coverage for these conditions in their standard policies, they have a unique “Pre-Existing Plan” for pet owners seeking assistance with pre-existing issues. This plan includes a waiting period during which no claims can be for the pre-existing condition. After this period, coverage becomes available for those specific conditions, setting Spot apart from some other insurers.

Spot’s focus on accommodating pet owners with pre-existing conditions demonstrates their commitment to providing options for a wide range of pet health scenarios. However, it’s essential for pet owners to carefully review the terms and premiums of this specialized plan to ensure it aligns with their pet’s specific needs and budget. Spot’s approach benefits owners of pets with pre-existing conditions, offering coverage for ongoing health concerns and balancing new issues within the waiting period. This widens pet insurance choices for owners.

Aspca Pet Insurance Pre-Existing Conditions 

ASPCA Pet Insurance has a stance on pre-existing conditions that’s in line with many other pet insurance providers. Generally, they do not provide coverage for pre-existing conditions in their standard policies. This means that if your pet has a condition before enrolling in their insurance, any related medical expenses will not be reimbursed.

However, it’s essential to note that ASPCA Pet Insurance, like many providers, may have waiting periods before coverage takes effect for certain conditions. During these waiting periods, you won’t be able to make claims related to the pre-existing condition. If you have a pet with a pre-existing condition, carefully review ASPCA’s policy terms and inquire about specialized plans. Understanding policy limitations helps make informed decisions about managing your pet’s healthcare costs.

How Pet Insurance Knows of Pre-Existing Conditions

Pet insurance providers determine pre-existing conditions through a combination of methods and assessments. When you apply for pet insurance, you are typically required to provide your pet’s medical history and disclose any pre-existing conditions. This information helps the insurer assess your pet’s health status at the time of enrollment.

Additionally, the insurer may review your pet’s medical records and consult with your veterinarian to verify their health status and history. This thorough examination ensures that any existing medical conditions are documented and considered when determining coverage. Coverage may be excluded or limited if your pet has a pre-existing condition or is being treated for one. To minimize pre-existing condition conflicts, pet owners should be honest and forthright with insurers about their pets’ health.

Pet insurance providers may conduct a physical examination or request recent veterinary reports during the claims process to confirm conditions. This examination helps in evaluating the timing and progression of the condition, which is crucial for determining coverage eligibility. 

Can You Get Pet Insurance if Your Pet Is Already Sick? 

Obtaining pet insurance while your pet is already ill can be difficult. When deciding coverage, most insurance providers examine pre-existing conditions, and certain conditions are often excluded. If your pet has a diagnosed disease or injury, it is likely to be regarded as a pre-existing condition, and the resulting medical bills may be excluded from the insurance coverage. When looking for pet insurance for a pet with pre-existing health conditions, it’s critical to be aware of these limitations and carefully research policy terms and exclusions to make an informed decision about coverage.

Does Pawp Cover Pre-existing Conditions? 

Pawp, a unique pet care membership service, stands out by offering coverage for pre-existing conditions. Unlike traditional pet insurance policies that often exclude pre-existing conditions, Pawp does provide support for existing health issues. This inclusion can transform pet ownership for pets with pre-existing conditions, offering much-needed financial support for continued treatment. However, pet owners must carefully evaluate Pawp’s coverage conditions, limitations, and waiting periods to ensure it meets their pet’s health needs. Pawp’s approach to covering pre-existing conditions makes it a unique and beneficial pet care membership option for pet owners wanting full support.

What Is a Curable Pre-existing Condition? 

A curable pre-existing condition refers to a medical ailment or health issue in your pet that can be treated, managed, or resolved with medical intervention, such as medication, surgery, or therapy. Unlike permanent or chronic pre-existing conditions, curable conditions have the potential to improve or be completely resolved with appropriate medical care. These conditions may require ongoing treatment and monitoring, but they are considered treatable, and there is hope for recovery or substantial improvement in your pet’s health. However, it’s important to remember that the specifics of coverage for curable pre-existing conditions can vary between pet insurance providers, so it’s crucial to carefully review the policy terms to understand how such conditions are addressed and the extent of coverage provided.

Can Insurance Deny Pre-existing Conditions? 

Yes, insurance providers can deny coverage for pre-existing conditions. In the realm of pet insurance, pre-existing conditions are generally excluded from coverage to manage costs and mitigate risks. When you apply for pet insurance, the insurer evaluates your pet’s health history, and any conditions that have been diagnosed or shown symptoms before the policy’s effective date are considered pre-existing.

This means that any related medical expenses or treatment for those conditions are typically not compensated by the insurance company. Insurance carriers sometimes exclude pre-existing conditions to focus on covering new and unforeseen health issues or injuries after the policy’s effective date. It helps sustain the industry’s finances. Pet owners must read their pet insurance policy to learn how pre-existing conditions are treated and any waiting periods.

What Happens if You Have Pet Insurance and Your Pet Dies? 

If your pet passes away while you have pet insurance, the coverage usually stops, and it won’t reimburse future claims. Pet insurance aids living pets’ treatment and care, not covering end-of-life expenses or funeral costs. In the unfortunate event of your pet’s passing, you may need to handle end-of-life arrangements and costs independently. It’s essential to understand the limitations of pet insurance and to be prepared for such circumstances. Some pet owners may choose to explore pet memorial or burial services, and it’s advisable to consult with your veterinarian or a pet loss specialist for guidance during this emotional time.

Is Diarrhea a Pre-existing Condition Pet Insurance?

Diarrhea itself is not typically considered a pre-existing condition in pet insurance. Instead, it is often viewed as a symptom of an underlying health issue or gastrointestinal problem. If your pet has diarrhea once without a diagnosis or treatment, it is unlikely to be a pre-existing problem. However, if the diarrhea is reoccurring or chronic due to an underlying sickness or gastrointestinal disorder that was diagnosed or displayed signs before pet insurance, it may be considered a pre-existing condition and not covered. Understand that pet insurance providers may define diarrhea as a pre-existing condition differently, so study your policy’s terms and terminology and ask your insurer for clarity.


What pre-existing conditions are excluded?

Pre-existing medical issues include high blood pressure, diabetes, thyroid disease, asthma, depression, and so on. When purchasing a new health insurance policy, major health insurance companies do not cover any pre-existing conditions.

What is the duration of a pre-existing condition?

The period in which a health plan will not pay for care for a pre-existing ailment. This cannot exceed 12 months for a regular enrollee or 18 months for a late enrollee under a job-based plan.

What is the pre-existing condition denial code?

CO 51 is a common denial code for pre-existing condition-related denials.


Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like