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Pre-existing conditions for pet insurance, is a thoughtful term especially when it comes to taking any health insurance policy that can be availed for your cat, dog and even human.

Get to know the meaning of pre-existing conditions in pet insurance.

What is a pre-existing condition?

A pre-existing condition includes any illness, injury or irregularity that your pet has before you enroll him in any insurance program. Heart disease, cancer, arthritis, and some other widespread pet ailments are the instance for pre-existing conditions. If you are known to this, then you get obligated to disclose them to the insurance companies.

What are the curable and non-curable pre-existing conditions?

Curable pre-existing conditions:

Some of the companies do cover and resolve them completely afterward if your pet stays symptoms free for a period of time, they can then get the coverage for those ailments.

Non-curable pre-existing conditions:

It is something chronic for instance, allergies, hip dysplasia, cancer, or diabetes. These are the conditions that need lifetime treatment once get diagnosed no insurer company covers that; therefore, it is quite essential to enroll your pet insurance while he is healthy and young, and this decision will not let you face non-coverage conditions.

Don’t despair if you do have a pet with a non-curable pre-existing condition. Still, you have a chance to get coverage. If your pet has diabetes that later converts into cancer, your pet can even get the coverage for cancer treatments.

Here are some of the possible illnesses that include pre-existing conditions:

  • Heart disease
  • Diabetes
  • Cancer
  • Skin lumps
  • Orthopedic condition
  • Urinary tract problem
  • Kidney problems
  • Arthritis
  • Hypothyroidism and hyperthyroidism

Some of the pet insurance companies do not cover ACL injury and another leg at all, but some of the companies can make you wait for six months to 12 months. Make sure; you are reading the policy documents carefully to know what the case is for your pet condition.

Top five pet insurance companies:

Pets best: is the best option for those people who want good plans along with the better-updated services.

Healthy Paws: is the best pet insurance company that gives the better coverage to the pets with chronic conditions.

Figo pet insurance: is the company for those who want the best plans along with the latest technology for their pets.

Trupanion: pet insurance company gets fit in all the parameters to the pet lovers.

Progressive pet insurance: is for those pet parents who want to be dated with other progressive products.

Let’s compare the pet insurance companies to choose the best option for your pet:

Pets Best – pet insurance company:

Best features:

  • No upper age limit and annual limit.
  • The fastest reimbursement

Worst features:

  • Routine care is an additional add-on

Healthy Paws – pet insurance company:

Best features:

  • You can efficiently process the claim through a mobile app
  • Provide unlimited benefits for a lifetime.

Worst features:

  • It does not cover the exam fee

Figo – pet insurance company:

Best features:

  • Additional extras cover.
  • Easy claim processing.

Worst features:

  • The annual limit can get ended with the single catastrophic injury or illness.

Trupanion – pet insurance company:

Best features:

  • Vet direct pay.
  • No coverage caps
  • 90% reimbursement in all the plans.

Worst features:

  • Get strict exclusions on pre-existing conditions.

Progressive – pet insurance company:

Best features:

  • Added wellness to all the plans.

Worst features:

  • Some of the policies can have annual limits.


Even if your pet is experiencing pre-existing conditions, pet insurance can reduce the expenditures of any veterinary care that your pet may need. The process is quite easy to deal with the pet insurance companies to receive discounts from the participated vets at the time of services; in short, it is the smart way to save money.

Lesley F.

I am an experienced writer, editor, proofreader, and researcher from Toronto, Canada. I have written content of all kinds, and specialize in writing clear, concise and informative articles with a friendly tone. I am a very flexible writer, able to take on new jobs and subjects and turn around work very quickly.