Pet insurance covers preexisting conditions, but some companies offer coverage for cured ones

From Yahoo Finance: 2025-06-11 14:35:00

Pets in U.S. households are living longer, leading to more chronic conditions like cancer and diabetes. Pet insurance helps cover costs, but preexisting conditions are generally not covered. Some companies offer coverage for cured preexisting conditions after a waiting period, excluding knee and ligament issues.

To determine preexisting conditions, pet insurers may review medical records or require an initial vet visit. It’s crucial to disclose any known conditions, as hiding them could lead to policy cancellation. While preexisting conditions aren’t covered, new issues are eligible for coverage.

For pets with curable preexisting conditions, consider insurers that cover these conditions after a certain period. This allows coverage for unrelated veterinary expenses during the waiting period. Starting pet insurance early can secure coverage for future issues that may arise.

Annual wellness exams, vaccinations, and routine care are vital for pet health and can prevent costly illnesses. Regular exercise and proper nutrition also contribute to long-term well-being. Consider insurers that cover vaccines to ensure comprehensive care for your pet.

Read more: Pet insurance that covers preexisting conditions