Pre-existing conditions are defined as any present health issue or condition diagnosed before the start of your pet insurance coverage. This is why the sooner you enroll in coverage the more you get out of your pet insurance.
So, are pre-existing conditions covered by pet insurance companies? The short answer is no. There are no pet insurance or even subscription-based alternatives that cover a pet’s pre-existing conditions. But don’t worry! Even if your animal companion does have a pre-existing condition, they can still get covered for separate or unrelated injuries and illnesses. On top of this, some pet insurance providers cover certain “curable” conditions.
This article will guide you through everything you need to know when it comes to caring for a pet with a pre-existing condition.
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<h3>Providing Affordable Treatment to Pets with Pre-existing Conditions</h3>
Did you know that more and more pet parents consider their dogs and cats as any other member of the family? In fact, 95% of people believe in treating pets like family. Along with this trend, pet insurance has grown in popularity. Pet insurance coverage gives pets access to the best veterinary care while reducing the costs for pet parents. In the United States and Canada alone, more than 2 million pets have been insured by the end of 2017, and in the past few years, this number has continued to grow.
However, the rise in its popularity means that many are talking about an all-too-familiar issue in pet insurance — the difficulty of getting a pet with a pre-existing condition insured.
<h3>What are Different Pre-existing Conditions?</h3>
Any medical condition that has been diagnosed before your pet’s health insurance takes effect is deemed a pre-existing health condition. From the point of view of insurance companies, covering a pet with a pre-existing condition is deemed high-risk. And the likelier case is that the pet insurance company will be paying out far more in medical benefits to that pet’s owner than to other policyholders.
Now, the bitter truth is, you won’t find a pet insurance plan that covers pre-existing conditions. But! You can still have your pets insured while reducing the costs of treatment for their pre-existing conditions.
1. Curable Pre-existing Conditions
We know we just said pre-existing conditions are not covered but if they’re “curable” conditions, some pet insurance providers do cover them. To keep it simple, a curable pre-existing condition is any condition that is present before your insurance policy takes effect but allows for recovery within a certain period.
Here are some examples of curable pre-existing conditions:
• Ear infections 
• Upper respiratory infections 
• UTI or Urinary tract infections 
• Diarrhea 
• Some gastrointestinal problems
If ever your pet has any of the above conditions, once they are cured and have recovered then they will be eligible for full coverage.

2. Understanding Chronic Pre-existing Conditions
Now compared to a curable pre-existing condition, a chronic condition is one that cannot be cured and will be affecting your pet throughout its lifetime. These chronic pre-existing conditions are not covered by pet insurance policies.
The most common chronic conditions pets have are allergies, arthritis, breathing problems, cancer including sarcoma, diabetes, disc problems, hip dysplasia, hyper, and hypothyroidism, kidney diseases, patellar luxation, skin diseases, torn cruciate ligaments, and cataracts.
That’s a lot of medical conditions but it’s important to understand them because veterinary costs are no joke! Each of these conditions could potentially mean coughing up thousands of dollars. This means that it’s better to enroll your pet in an insurance policy earlier on while they still have fewer “pre-existing conditions and this dramatically reduces the costs of your veterinary bills.
3. Covering Certain Breed-specific and Genetic Conditions
Yes, you’ll find that most pet insurance policies will cover breed-specific and genetic conditions. But unfortunately, they don’t cover these conditions if have them before your insurance policy kicks in.
The smart thing is to do is to get your pet insured why they’re still young and healthy. With this, you’ll have peace of mind that your pet is covered by your policy in the event that they get sick, injured, or even if they develop a chronic condition.
But for noble pet owners who chose to adopt older pets in their fur-ever homes, this non-coverage of pre-existing conditions is definitely a challenge. If you’re in a similar situation, there’s no need to worry! We’ve laid out the options you can take if your pet has a pre-existing condition.
<h3>Getting Pets with Pre-existing Conditions Insured</h3>
Even if your pet has a pre-existing condition, it can still qualify for pet insurance. A lot of parents of pets with pre-existing conditions actually consider forgoing obtaining insurance because they think their pets don’t qualify. Your pet should still be enrolled in insurance even with a pre-existing condition. In the unfortunate yet unavoidable event that your animal companion develops another illness or gets into an accident, not having insurance would mean paying a whole lot in out-of-pocket costs just to give your pet the care that they deserve.
<h3>Options for Pets with Pre-existing Conditions</h3>
Even if your pet’s pre-existing condition can’t be covered by insurance policies, there are still other options for you to prepare for the costs of your pet’s treatment and reduce your veterinary bills.
Top 10 Pet Insurance Plans is a company that gives pet owners the choice to help reduce the costs of their pet’s treatment even if they have a pre-existing condition. Top 10 Pet Insurance Plans in partnership with PetAssure offers the Veterinary Discount Plan, pet owners who sign up for this plan get 25% off all veterinary bills!
This plan can only be used with participating veterinary clinics so call your local vet first and ask if they participate in the plan before signing up.
On another note, it’s highly important to prepare yourself financially if your pet has a pre-existing condition that isn’t covered by your insurance policy. Do a deep dive and research the average annual and lifetime costs relating to your pet’s condition and work your budget around these costs so that you are equipped and able to cover bills for preventive care, wellness visits, and emergencies.
The last thing we want is to be in a position wherein we’re unable to provide our furry friends with the care they deserve because we’re not financially prepared.
<h3>Conclusion</h3>
As a responsible pet owner, remember that you can still get your pets insured even if they have a pre-existing condition. Although the specific pre-existing condition will not be covered by your plan, any new and unrelated condition, illness, or injury that arises will be covered.

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