3 Best Pet Insurance for Pets with Pre-existing Conditions


When searching for insurance coverage, it is essential you understand the limitations involved in getting pet insurance for pets with pre-existing conditions.

In this article, you will get to understand what pre-existing condition entails, the types, and the ones that can be covered.

In addition, we also put together some insurance companies which cover some types of pre-existing conditions.

Not only that, but you’ll also learn about the things to consider when looking for pet insurance for pre-existing conditions.

So, without much ado, let’s get into the details.

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What is a Pre-Existing Condition?

A pre-existing condition is any type of health condition that your pet has been diagnosed with before you enrolled it in an insurance policy.

The pet insurance company will have to look at your animal’s medical record from 12 months back to the present time of enrollment.

Pet insurance companies have to check this in order to be sure of the condition before they call it a pre-existing condition.

For example, German Shepherds are more prone to hip dysplasia due to their breed.

Now, if your pup does not show any sign of hip dysplasia before the insurance policy’s effective date, it’s likely to be covered.

However, some insurance policies have specific rules for conditions like hip dysplasia.

This can be that your pup must be at a certain age before enrolling for a policy or it won’t be covered if the condition emerges within the first year of coverage.

Now let’s learn about some of these pre-existing conditions.

top pet insurance options for pets with pre-existing conditions

Types of Pre-Existing Conditions 

There are three main types of pre-existing conditions.

1. Curable Pre-Existing Conditions:

Curable conditions are any medical conditions that your pet has undergone, treated, and cured for.

Although, most insurance policies require that your pup will have to be symptom-free for 180 days or 1 year before they can consider it cured.

Pet insurance companies like ASPCA will not consider a condition pre-existing if there are no symptoms for 180 days and it is curable (excluding knee and ligament conditions).

So, if the condition reoccurs after 180 days it will be covered just as if it’s a new health condition.

Here are some examples of curable conditions:

  • Ear infection 
  • Urinary tract infections
  • Upper respiratory infections
  • Vomiting/diarrhea not related to a chronic illness
  • Bladder infections
  • Gastrointestinal problems

If your pet has been diagnosed with any of these above and has been cured of it, they are eligible for coverage.

Check out these 4 Best and Cheapest Pet Insurance Companies In New York (NYC).

2. Incurable/Chronic Pre-Existing Conditions:

A condition is said to be incurable or chronic because they affect your pup throughout its lifespan.

These types of conditions can not be cured instead you will have to manage them with your pup.

Most pet insurance policies do not cover such because they are expensive and it requires constant visits, regular medication, and sometimes surgeries.

Some examples of these types of conditions are:

  • Arthritis
  • Cancers (including sarcoma)
  • Allergies 
  • Diabetics
  • Epilepsy
  • Hip Dysplasia 
  • Heart disease
  • Bladder Crystals
  • Torn cruciate ligament
  • Orthopedic conditions
  • Kidney disease 
  • Hyperthyroidism and hypothyroidism

Each of these issues is quite expensive and it’s advised you get your pet insured early before any pre-existing condition shows up.

3. Bilateral Conditions:

A bilateral condition is an illness or injury that can affect both sides of your pet’s body such as; hip dysplasia or a cruciate ligament tear.

Most pet insurance companies do not cover such since there are chances the animal will experience the same illness on the other side of its body.

Basically, many insurance companies have bilateral exclusions in their policies, just like any other pre-existing conditions.

In other words, if your pet has been diagnosed and was treated on one side before the policy started, it will not be covered on the other side later in the future.

But, if your pup shows symptoms of bilateral conditions after the policy has started, it will be covered.

That said, here are some other types of bilateral conditions:

  • Glaucoma
  • Patellar luxation
  • Cataracts
  • Uveitis

Although, most of these bilateral conditions such as hip dysplasia are curable as a result, can be excluded if your pup has shown any sign before coverage.

Meaning for this fact that some bilateral conditions are curable, and they will be covered.

Above all, it’s advisable that you read the fine print carefully and ask your insurance company about bilateral conditions.

Now that you know about the types of pre-existing conditions, let’s learn about the pet insurance that covers pre-existing conditions.

Read this article next: 5 Best Pet Insurance Companies For Dogs and Cats in 2023

Which Pet Insurance Cover For Pre-Existing Conditions?

From the explanation above you will see that there are different types of pre-existing conditions.

Again, you’ll realize that there are ways to approach these conditions and there are also some pre-existing conditions that can be covered.

Below are some pet insurance companies that cover pre-existing conditions

1. Embrace Pet Insurance:


Embrace explains that they do not cover pre-existing conditions but this can not stop you from obtaining pet insurance coverage.

Basically what determines whether your pup’s pre-existing condition can be covered depends on if it’s curable.

They also explain how pre-existing conditions work with their policy and how the pre-existing condition will determine the type of coverage option to consider.

When it comes to pre-existing conditions, Embrace is one of the insurance companies that differentiate between curable and incurable pre-existing conditions.

Now, in order for Embrace to cover a pre-existing condition, it has to be curable and your pet must have stayed up to 1 year without treatment and symptoms.

Here are some curable pre-existing conditions which they cover:

  • Respiratory infections
  • Urinary tract/bladder infections
  • Vomiting, diarrhea, & other gastrointestinal disorders
  • Other curable conditions

As long as your pup’s medical history shows that there have been no more signs following the first diagnosis, they will reinstate coverage at their own discretion.

To get more information as well as a free quote simply visit Embrace Pet Insurance.

Read also; 3 Best and Cheapest Pet Insurance Companies In Canada

2. Petsure Pet Insurance:

Petsure is an insurance company that considers all pre-existing conditions and offers lifetime coverage.

Basically, you will be asked to declare your pup’s medical condition for the last 2 years when getting a quote for your pet.

Also, you get to answer a few questions about your pet’s current health and the ability to tailor the policy to suit your budget.

Petsure offers that you select your preferred vet fee cover up to $15000 without any hidden charges.

That said, they also cover older pets with pre-existing conditions; however, they don’t cover maintenance for an existing condition.

Ultimately, they only cover worsening and new symptoms of your pet’s pre-existing condition that’s been cleared and accepted by them.

To get a free quote and more information visit Petsure Pet Insurance.

3. Pets Best:

pets best health insurance

Pets Best is also an insurance company that also explains the pre-existing conditions that are curable and incurable.

They clearly state that any illness or injury that develops before the policy’s effective date is regarded as pre-existing.

However, there are some conditions like kennel cough or a broken leg, which according to them can heal and do not require further treatment.

With the above case, they do not consider it as a pre-existing condition.

Therefore, You can protect your dog or cat against accidents, illnesses, surgeries, cancer, and more with Pets Best coverage.

That said, in order to provide coverage for routine care, they also provide a wellness coverage plan.

Above all, You can also look at their specific coverage options if you need specialized care.

Continue reading to learn about the things to put into consideration in finding pet insurance for pre-existing conditions.

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How To Find The Best pet insurance For Pre-Existing Conditions

Finding a suitable insurance policy for a pet with pre-existing conditions can be somewhat stressful.

So, here are some things to keep in mind when searching for the best insurance for your pup.

1. Be a proactive pet owner:

Not all pet insurance policies cover pre-existing conditions or even curable pre-existing conditions.

It’s important you understand the types of pre-existing conditions and the ones a pet insurance company classifies as curable or incurable.

Also taking proper precautions in preventing your dog or cat from other accidents or illnesses due to the condition.

2. Compare pet insurance policies:

The next step is to evaluate the various types of coverage that cover certain conditions.

After that, you’ll have to compare their different types of coverage and get the prices and quotes that suit you.

Then you also consider other factors like waiting periods, deductibles, and reimbursements and what applies when your pup gets older.

3. Buy pet insurance early on:

As a pet owner who has a pet with a pre-existing condition, you should be aware of the financial burden vet bills have.

Knowing this helps you purchase a pet insurance policy early on and also helps in minimizing the cost if the same issue occurs in the future.

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Obtaining pet insurance for your pup is one of the most important things you can do as a pet parent.

Especially when you have a breed that is prone to having health conditions as they get older.

Understanding what pre-existing conditions are, the types, the ones that can be covered as well as things to consider will help you in making a better choice of a pet insurance company.

Frequently Asked Questions

Can I Get Pet Insurance For a Pet With Pre-Existing Conditions?

Yes! You really should not allow the pre-existing condition of your pet to prevent you from buying pet insurance. There are pet insurance companies that cover pre-existing conditions depending on the type of condition. So, apart from the ones mentioned in this article, do your research, and ask questions in order to get policies that will best protect your pup.

Do Pet Insurance Cover For Pre-Existing Conditions?

Most pet insurance policies do not cover pre-existing conditions if the condition is diagnosed before your pet insurance kicks in. However, if the pre-existing condition is curable and your pup has been treated and symptoms-free for 180 days it can be covered.

Are There Pet Insurance Companies For Pre-existing Conditions?

There is no pet insurance that covers pre-existing conditions however, there is some insurance that covers a pre-existing condition that is curable. Pet insurance companies like Embrace, Petsure, and Pet’s best you can scroll up to get the whole information.


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