What are pre-existing conditions?
A pre-existing condition is a symptom or set of symptoms, that your dog or cat has before your plan’s coverage starts or before the waiting period is over. Pre-existing conditions are called exclusions on your policy and treatment or medication for these conditions aren’t covered by pet insurance. This also means that if your pet has an accident before your coverage starts or during the applicable waiting period, the treatment for that accident won’t be covered. Learn more about common dental health concerns in our blog on specific breeds and dental health!
Pet insurance that covers pre-existing conditions
Most providers exclude pre-existing conditions, but some offer limited coverage depending on the condition and recovery status. If you're looking for pet insurance that covers pre-existing conditions, it's important to read the fine print.
In Canada, options for pet insurance that covers pre-existing conditions Canada are very limited. While Petsecure doesn’t cover pre-existing conditions, we offer comprehensive plans that may cover certain conditions if they’ve been resolved and reviewed by our team. If your pet has visited the vet for things like vomiting or diarrhea, ear infections or urinary tract infections, you may have a reviewable or temporary exclusion listed on your policy. If this happens, we’ll give you instructions to contact us at a specified time (usually after about 6-12 months). Explore what’s included and what’s not in our guide to Petsecure coverage.
How do pet insurance companies know about pre-existing conditions?
Insurers typically require a vet exam or access to your pet’s medical records. This helps them determine if any conditions existed before coverage began. Pet insurance companies know about pre-existing conditions through thorough health history reviews.
Can you lie about pre-existing conditions for pet insurance?
While it may be tempting, can you lie about pre-existing conditions for pet insurance? The answer is no. Providing false information can result in denied claims or cancellation of your policy. Honesty ensures your pet gets the care they need.
Can you get pet insurance after diagnosis?
Can you get pet insurance after diagnosis? Yes, but the diagnosed condition may be excluded from coverage. However, future unrelated conditions and accidents can still be covered, making insurance worthwhile even after a diagnosis. Recognizing symptoms early can help you act before a condition becomes pre-existing. Read our blog on how to tell if your pet is in pain to stay informed.
Can I get pet insurance before surgery?
If your pet needs surgery and hasn’t been diagnosed yet, you may wonder, can I get pet insurance before surgery? Timing is key! Your insurance policy must be active and through necessary waiting periods before the condition is noted in medical records to be eligible for coverage.
So, is pet insurance worth it?
Navigating pet insurance and pre-existing conditions can be complex, but understanding your options helps you make the best decision for your pet! Whether you're looking for pet insurance that covers potential pre-existing conditions or wondering about coverage after a diagnosis, Petsecure is here to help! If you have any questions about our coverage or which plan is best for you and your pet, reach out to us at 1-800-268-1169!
Don’t forget to get your free, personalized quote!