When choosing pet insurance, understanding how pre-existing conditions affect coverage is key. At Petsecure, we want to help pet owners make informed decisions about protecting their furry family members.
So, what is a pre-existing condition?
A pre-existing condition is any illness, injury, sign or symptom noted within medical records that your pet experienced before your Petsecure policy began or during the waiting period. This includes conditions you or your vet were aware of, or reasonably should have been aware of, even if they weren’t formally diagnosed by your vet.
For example, if your dog had recurring ear infections before coverage started, those infections and related treatments would be excluded from your policy.
Are allergies considered a pre-existing condition?
Yes. If your pet showed signs of allergies, such as itching, sneezing or skin irritation, before your policy began or during the waiting period, those allergies would be considered pre-existing and excluded from coverage.
Does Petsecure cover pre-existing conditions?
Petsecure pet health insurance does not cover pre-existing conditions. A pre-existing condition can be defined as any illness or injury that starts or shows signs or symptoms before coverage begins or during the waiting period. This includes chronic conditions like arthritis, hip dysplasia, diabetes and allergies.
However, there are exceptions! If your pet had a temporary condition, like an ear infection or gastroenteritis, you may be able to request a review to remove the exclusion. This is possible if your pet has been symptom-free and hasn’t required treatment (including therapeutic diets or supplements) for six to twelve months.
Can I insure my dog with a pre-existing condition?
Yes, you can still insure your dog with Petsecure even if they have a pre-existing condition. While that specific condition won’t be covered, your policy will still provide protection for new and unrelated illnesses, accidents and other eligible treatments.
Why Petsecure is still a smart choice
Even with exclusions, Petsecure offers comprehensive coverage for:
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Accidents and illnesses
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Dental care (not included from many other companies)
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Alternative therapies
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Emergency care
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Boarding fees and lost pet advertising... and so much more.
Learn more about what your pet could be covered for!
Enrolling your pet as early as possible (and before health issues arise) is the best way to ensure broad coverage without pre-existing conditions. And if your pet has a temporary condition, you may be able to have the exclusion lifted after a symptom-free period!
Fetch your free quote for Petsecure coverage to start protecting your pet (pre-existing conditions or not)! 💙