Does Pet Insurance Cover Pre Existing Conditions

Does Pet Insurance Pre Existing Conditions
Does Pet Insurance Pre Existing Conditions

One of the most responsible things you can do as a pet parent is to get pet insurance. However, you might be wondering if there is pet insurance that covers pre-existing conditions if your pet has developed a health condition. The three main categories of pre-existing conditions covered are described below, along with some information on Nationwide and Lemonade Pet Insurance and advice on choosing the best pet insurance provider for your pets.

What Is a Pre-Existing Condition?

Pre-existing conditions are any ailments that were known to exist before the insurance plan for your pet went into force. To identify which medical conditions are classified as pre-existing, insurance firms may review your pet’s medical records going back anywhere from 12 months to their entire life.

There are still ways to have your pet covered for accidents, other illnesses, and, in certain situations, those health conditions listed as pre-existing, even though this may sound like a deal-breaker for pets with any previously identified health conditions. The three primary categories of existing conditions are as follows:


Pet insurance policies frequently cover breed-specific genetic pre-existing conditions unless they were discovered before the policy’s effective date. It’s best to enrol your pet in a pet insurance plan as soon as they join your family if they belong to a breed predisposed to certain types of hereditary conditions. There are no health conditions that a pet insurance provider can refuse to cover if your pet is young, healthy, and covered by a comprehensive policy. When your pet eventually contracts a sickness (or if your pet is injured), will pay for all necessary care in accordance with the coverage limits of your insurance policy.


Some pet insurance providers could cover pre-existing conditions if they are classified as treatable. After a waiting time, a pre-existing ailment that can be treated and is predicted to improve in your pet may be covered under your new coverage. Pre-existing conditions that can be treated include gastrointestinal issues, upper respiratory infections, and ear infections. Your pet insurance policy can fully cover the medical condition as long as your pet has recovered and is no longer experiencing symptoms or requiring treatment.


Allergies, arthritis, skin conditions, hip dysplasia, diabetes, and cancer are chronic pre-existing conditions. These conditions are chronic and incurable. They are classified as chronic because they have a lifelong impact on your pets. Pet insurance policies do not provide coverage for certain pre-existing conditions, but you may be able to find some possibilities for financial aid.

It’s best to cover your pet as soon as possible if you think they are prone to acquiring a chronic health issue. Pet insurance can still assist in defraying the cost of any additional diseases or mishaps if you rescue an older dog that already has these kinds of pre-existing conditions. Some companies offer financial aid that can assist you in financing medical care for any conditions your policy does not cover.

Pet Insurance Pre Existing Conditions Covered

Pre-existing conditions are typically not covered by pet insurance policies. These are accidents or ailments that develop or manifest symptoms before your plan takes effect or while there is a waiting period. Here are a few illustrations:

  • Expenses for X-rays and other procedures linked to the break would not be covered if your dog fell down the stairs and fractured a paw before you signed up for pet insurance. Additionally, unless the disease qualifies for coverage as a cured condition, would not be reimburse future associated expenses for the same condition.
  • Pre-existing conditions may be defined and handled differently by various pet insurance companies. Please carefully read the policy, so you are aware of what to expect.
  • For instance, the ASPCA Pet Health Insurance plan specifies that, except for knee and ligament conditions, a condition will no longer be regarded as pre-existing if it is treated and symptom-free for 180 days. Any subsequent knee or ligament conditions won’t be covered if they develop before the coverage’s start date or if there is a waiting period.

Can You Get Pet Insurance Pre Existing Conditions?

The answer is affirmative if the pre-existing disease is treatable. However, pet insurance providers won’t provide coverage if the pre-existing ailment is chronic and was discovered before the start of the policy. It doesn’t necessarily follow that coverage won’t be provided just because you have a dog of a particular breed known to be predisposed to certain genetic conditions. Any testing or treatments for those illnesses or diseases are entirely covered if your pet has not yet received a diagnosis at the time coverage begins. Simply put, must perform those procedures after the day your policy goes into effect.

Nationwide Pet Insurance Pre Existing Conditions

Pre-existing conditions are not covered by any of Nationwide’s pet insurance plans. A pre-existing condition, according to Nationwide, is any disease or damage your pet had before enrolling in coverage.

Pre-existing conditions are not always permanently disqualified. You might be able to obtain coverage if you can demonstrate through medical records that your pet’s disease has been resolved for at least six months. Here is more information on Nationwide Pet Insurance.

Nationwide Pet Insurance Review

After comparing Nationwide to the best pet insurance providers, we gave them 93 out of 100 ratings. We are most impressed by this provider’s coverage options for exotic animals. Most pet insurance providers only offer coverage for cats and dogs; but Nationwide’s policies also cover a variety of other creatures, from birds to snakes.

Despite offering a wide range of coverage options; Nationwide’s pricing structure is less flexible and more expensive than that of other providers. Negative ratings from the Better Business Bureau (BBB) and Yelp, where many complaints refer to refused claims and price hikes; also indicate decreased customer satisfaction.

Nationwide Pet Insurance: Pros and Cons


  • Vast selection of benefit options: Nationwide offers wellness, accident, and accident and illness policies, allowing you to obtain the precise level of protection you require for your pet.
  • Protection for a range of household pets: In addition to dogs and cats, Nationwide offers protection for more unusual creatures like birds, turtles, and reptiles.
  • Discounts are offered regardless of the kind of pet you protect; current Nationwide members save 5% on a brand-new pet health insurance policy and 10% when insuring three or more animals.


  • There is only one type of rider available: a wellness plan; which you can add on to another plan or buy alone.
  • Yearly and small reimbursement caps: Nationwide only provides reimbursement levels of 50% and 70% for Whole Pet policies, which have a $10,000 annual cap (although Major Medical plans have a 90% reimbursement cap).
  • Wellness plans aren’t available in all states: Even though Nationwide offers two wellness plans; your selections may be limited by where you live if you’re looking for this kind of insurance.

Lemonade Pet Insurance Pre Existing Conditions

Lemonade won’t turn away pets with pre-existing conditions; it will merely refuse to pay the conditions of treating them. If there have been no recurring symptoms or conditions for at least a year; Lemonade will not consider an injury or condition to be pre-existing. That implies that will cover certain conditions. Conditions affecting the knee and ligaments as well as long-term conditions including cancer; allergies, and asthma are exempt from this restriction. Pre-existing conditions include any that surface during the policy’s waiting periods.

Lemonade Pet Insurance Review

Pet, life, homes, and auto insurance are just a few of the coverage options offered by Lemonade. Today, 35 states and Washington, D.C. offer Lemonade’s pet insurance coverage.

With its illness/injury policy, Lemonade gives a respectable amount of coverage; it offers a variety of add-ons to enable clients to customize their policies. You can even decide to include coverage for procedures unique to young animals; which could help you save money on the price of a new cat or dog.

Lemonade Pet Insurance: Pros and Cons


  • Coverage that can be tailored: Lemonade offers a range of add-ons that let you tailor your plan and include coverage for services like preventative care, veterinary visits, and physical therapy.
  • Reasonable premiums: Although prices might vary, monthly premiums begin at about $10.
  • Convenient mobile app: Lemonade is tech-savvy and offers an app that makes it simple to manage your insurance and submit claims.


  • Limited coverage with the base plan: Even though you may personalize your plan with add-ons; the base plan has coverage gaps for things like exam costs, microchipping, behavioural concerns, and pertinent visits.
  • Not accessible everywhere: Only 35 states and Washington, D.C. presently offer Lemonade pet insurance policies.
  • Lengthy waiting periods: Before coverage begins, there are several different waiting periods; such as two days for accidents, 14 days for illnesses, and six months for cruciate ligament injuries.

How to Find the Best Insurance That Covers Pre-Existing Conditions

If you’re seeking to get insurance for a pet who already has a condition; think about which classification that ailment fits under. You may be able to get coverage if it is treatable. Examine the standards for medical history reviews used by insurance providers. Embrace only looks back a year, so if your pet hasn’t experienced any signs of or treatments for the pre-existing ailment in the previous 12 months, Embrace will cover it.

You can still buy complete pet insurance coverage that covers accidents and any additional illnesses, even if your pet has a pre-existing ailment that is incurable. Pet Assure can support you in obtaining discounts for veterinary care when it comes to treating a pre-existing ailment; in addition to that pet insurance coverage.

The ideal option for most pet owners is combining pet insurance coverage with a veterinary discount plan. By doing this, your pet is protected from mishaps and the emergence of new ailments, and you can save money on veterinary care. Although there are ways to ensure your pet has the greatest care; no pet insurance company will cover incurable pre-existing conditions.

Frequently Asked Questions

What pre-existing conditions are not covered?

Because of a pre-existing medical condition, such as pregnancy or a chronic disease like diabetes or cancer; health insurers can no longer increase their rates or refuse to cover you or your child. They are unable to restrict benefits for that condition.

What qualifies as a pre-existing condition?

To put it simply, pre-existing conditions are any medical conditions that a person has before signing up for health insurance. The person may be aware of a pre-existing condition, such as if she is already aware that she is pregnant.

How do insurance companies know about pre-existing conditions?

Medical Check-up:

The insurance provider might request that you have a physical if you already have an illness. Based on the test findings, the insurance premium will be determined.

What is waiting period for pre-existing medical conditions?

Types of Waiting Periods in Health Insurance

Pre-existing conditions are covered by almost all health insurance policies after a waiting period of typically two to four years. This suggests that any hospitalization costs associated with the listed illnesses can only be reimbursed after four successful years with the insurance company.

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