As with other pet insurance plans, Pets Best plans have some exclusions in order to keep prices affordable. This includes exclusions for pre-existing conditions. However, we still accept dogs and cats with pre-existing conditions, and can help keep unrelated veterinary expenses manageable for thousands of other covered conditions. Show
What is Considered a Pre-Existing Condition for a Pet?A pre-existing condition is any illness or injury that begins before your pet insurance policy's effective date or during your waiting period. Some conditions, like broken legs or kennel cough, heal or are curable and require no further treatment. Once healed or cured, these conditions are no longer considered pre-existing by Pets Best and can be covered by your plan should they reoccur. Common curable pre-existing conditions in dogs and cats include:
Incurable pre-existing conditions include illnesses that require life-long care or extended treatments and care. Some incurable conditions include:
Common Pre-Existing Conditions in Cats
Common Pre-Existing Conditions in Dogs
How Pets Best Can Help Pets with Pre-Existing ConditionsWe understand that pre-existing conditions can be difficult to understand when it comes to selecting pet insurance and providing the best care for your pet. Although pre-existing conditions aren’t covered, Pets Best Accident and Illness plans cover thousands of other conditions. No matter the pre-existing condition or past medical history, we are always happy to help you find the accident and illness coverage that fits your budget and your pet’s needs. For pets with a pre-existing condition, combining a Pets Best pet insurance policy with a CareCredit credit card can give you the flexibility you need to provide your pet the best care possible at CareCredit enrolled providers.* Together, Pets Best and CareCredit offer a complete financial solution for a lifetime of care for your pet. Let us know how we can help you and your pet get the coverage they need to keep on wagging or purring. *Subject to credit approval. This content is subject to change without notice and offered for informational use only. You are urged to consult with your individual medical providers with respect to any information presented. Pets Best and any of its affiliates, including CareCredit, (collectively, “Synchrony”) makes no representations or warranties regarding this content and accepts no liability for any loss or harm arising from the use of the information provided. Your receipt of this material and/or participation in this presentation constitutes your acceptance of these terms and conditions. The following content may contain Chewy links. PetMD is operated by Chewy. Pet Insurance has become more popular as veterinary medical expenses continue to rise. If you’re looking into getting pet insurance for your dog or cat, one important question is whether their health issues are considered to be “pre-existing conditions” and whether any policy will cover them. What Is a Pre-Existing Condition?A pre-existing condition is defined as any medical condition that your pet has shown signs of or been diagnosed with before the insurance policy’s effective date. Here are a few examples:
Do Any Pet Insurance Policies Cover Pre-Existing Conditions?In general, pre-existing conditions are not covered by most pet insurance plans, but there are exceptions. It all goes back to what the insurance company defines as pre-existing. Here are some of the most common types of illnesses and conditions, when they are considered to be pre-existing, and how that affects whether they’re covered or not. Hereditary and Congenital ConditionsMany companies cover congenital and hereditary conditions as long as your pet hasn’t shown any signs or been diagnosed with one before coverage starts. Some companies even have separate “hereditary and congenital coverage” policies. Hereditary (genetic) conditions are common, especially in purebred animals, and are inherited from a pet’s parents. Some examples include:
A congenital condition is one that your pet is born with, although they might not show any signs right away. Examples include:
Curable Pre-Existing ConditionsCurable conditions are defined as any medical condition/illness that your pet has been treated for and cured of. Most insurance companies require 180 symptom-free days to consider a condition cured, while some require a whole year. Some examples of curable conditions are:
Incurable Pre-Existing ConditionsThese are conditions that cannot be cured; instead, they must be managed. Most pet insurance plans will not cover incurable pre-existing conditions that were diagnosed before the policy’s effective date. Some examples of incurable conditions are:
Bilateral ConditionsA bilateral condition is a health condition that can happen to both sides of a pet. An example is hip dysplasia, which can occur in either the left or right hip, or often both. Most insurance policies will not cover a bilateral health condition if the issue was diagnosed before the coverage date, just like any average pre-existing condition. For example, if your pet was diagnosed with hip dysplasia on their left side before enrollment, and years later developed hip dysplasia on their right side, your policy will not cover either. Some other types of bilateral conditions are:
Insurance companies exclude bilateral conditions because there is a good chance that a condition that occurs on one side of your pet’s body will develop on the other side. For example, a dog with left hip dysplasia will tend to shift their weight to their right side to avoid discomfort. As a result, they are at higher risk of developing hip dysplasia on their right side as well. The underlying genetics that predispose pets to many bilateral conditions also, obviously, affects both sides of the body. Hip dysplasia is also incurable, so it can be excluded for that reason if your pet had shown any signs before coverage. However, some bilateral conditions may be considered curable and will be covered. For example, let’s say your dog was diagnosed with an ear infection in the right ear before enrollment but develops an ear infection in the left ear after the policy kicks in. The insurance company will likely cover the left ear infection as long as your dog had been symptom-free for 180 days (or maybe longer) after the first ear infection. Be sure to read the fine print and ask your insurance company about bilateral conditions. Can Symptoms Be Considered Pre-Existing Conditions?Yes! Even in the absence of a diagnosis, symptoms can also be considered pre-existing conditions if they are documented before a pet is covered. But it also matters if it’s a symptom of something curable or incurable. For example, if your pet excessively licks their feet but has not been formally diagnosed with allergies, any claims related to this will likely not be covered. This is because excessive paw licking is considered a common sign of skin allergies, which fall under the category of incurable pre-existing conditions. On the other hand, if your pet has symptoms of head shaking and ear scratching, which are known signs of ear infections, your policy is likely to cover treatment, as ear infections are deemed curable. Do Pet Insurance Companies Ask for Medical Records?Yes! Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet’s medical records in order to determine if your pet has any pre-existing medical conditions. Careful review of these records will ensure that your pet receives appropriate coverage and that you are reimbursed for your medical expenses as soon as possible. If your pet has never been to a vet, or has not been recently, the insurance company will usually require you to take your pet to a local veterinarian for an exam and provide records from the visit before enrolling your pet in a policy. Should I Get Pet Insurance for a Pet That Has Pre-Existing Conditions?Absolutely! Do not let your pet’s pre-existing condition discourage you from pursuing pet insurance. Even if the pre-existing condition isn’t covered, your pet insurance policy will still cover other things, like accidents or new illnesses. The policy should cover any future unrelated conditions that are diagnosed, depending on the type of policy you buy. In short, regardless of your pet’s medical history, pet insurance can be a good investment, particularly as pets age and are more likely to develop serious illnesses such as heart disease, kidney disease, or even cancer. Having that financial support can drastically improve your pet’s treatment options. So do your research, ask questions, and don’t be afraid to shop around for a policy that will best protect your pet from unforeseen medical costs. ReferencesFind Pet Insurance. NAPHIA. Featured Image: iStock.com/SeventyFour Can I get pet insurance for a dog with a prePets with a pre-existing condition are still eligible for pet insurance and that condition should not stop you from considering coverage. While you may not be able to get reimbursed for treatments related to that particular condition, you can receive payouts for future injuries or illnesses.
Which pet insurance is best for pre1st Place (Tie): Spot & ASPCA Pet Insurance
Both ASPCA Pet Insurance and Spot cover curable pre-existing conditions that have been free from treatment and symptoms for 180 days before your policy's effective date. Ligament and knee conditions are excluded from this.
Will preYes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
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