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What are Pre-Existing Conditions for Pet Insurance?
What are Pre-Existing Conditions for Pet Insurance?

Here's key information pet owners should know about pre-existing conditions before getting pet insurance.

Updated over a week ago

It’s important to understand how pre-existing conditions can work with pet insurance before you enroll your pet in a policy. This guide will help break down the essentials, from what defines a pre-existing condition to how it may impact your pet’s insurance coverage.

What Are Pre-Existing Conditions in Pet Insurance?

A pre-existing condition is typically any injury, illness, or health issue your pet has been diagnosed with or displayed signs/ symptoms of before obtaining pet insurance coverage, including during any waiting periods for the policy. This can include chronic conditions like diabetes or allergies, as well as past injuries or illnesses that may have shown symptoms, been diagnosed, or treated.

How Pre-Existing Conditions Affect Pet Insurance Coverage

Generally, pet insurance does not cover pre-existing conditions. This means you'll likely be responsible for covering any veterinary costs related to those conditions out of pocket, without the opportunity of reimbursement.

Curable vs. Incurable Pre-Existing Conditions

The distinction between curable and incurable pre-existing conditions is important.

  • Curable: Some pet insurance providers, like Spot, may offer coverage for curable pre-existing conditions if the pet has been symptom-free and treatment-free for a certain waiting period (often 180-365 days). Exclusions may apply, so it’s best to read your policy thoroughly.

  • Incurable: Chronic conditions like diabetes or allergies that can require ongoing management are not typically considered curable conditions and may not be covered in the future. Talk to your provider to learn more about how they handle pre-existing conditions.

Pet Insurance Exclusions and Waiting Periods

It can be crucial to carefully read your pet insurance policy's exclusions. Some providers may exclude specific breeds from coverage or have waiting periods before coverage kicks in for various issues.

How Pre-Existing Conditions Can Be Determined

When you submit a claim, the provider may request your pet's prior medical records. This can help them identify any pre-existing conditions that might be excluded from coverage. Spot plans do not require an exam before your pet can be enrolled, however, your pet’s medical history may be needed when you submit your first claim.

Can You Still Get Pet Insurance if Your Pet Has a Pre-Existing Condition?

Absolutely! Even if your pet has a pre-existing condition, pet insurance can still be a valuable tool for you and your pet. It can help cover any new illnesses or injuries that occur after the policy's effective date and waiting period, offering you financial protection for unexpected vet bills.

Spot Pet Insurance and Pre-Existing Conditions

Spot Pet Insurance plans follow the industry standard of not covering pre-existing conditions. However, our plans stand out by offering coverage for curable conditions that meet specific criteria. Be sure to review your policy details for any waiting periods and exclusions that might apply.

Key Takeaways

  • Pre-existing conditions are health issues your pet had before getting insurance, or during any waiting periods.

  • These conditions are generally not covered by pet insurance.

  • Some insurers may offer coverage in the future for certain pre-existing conditions, but it’s important to talk with them directly.

  • It’s important to read policy exclusions and understand any waiting periods.

  • Pet insurance can still be valuable for help covering new conditions and injuries.

By understanding pre-existing conditions, you can make an informed decision about pet insurance and choose a plan that best suits your pet's needs and your budget.

Need more help? Contact a Spot Pet Insurance expert to discuss your options or speak with your veterinarian for personalized advice about your pet's health.

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