Best Pet Insurance for Existing Conditions

Best Pet Insurance for Pre-Existing Conditions

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Top 3 Best Pet Insurance for Pre-Existing Conditions

Pets are susceptible to accidents and illnesses from the moment they are born. Whether it is a hereditary or congenital condition that is immediately present, or an injury sustained as a newborn, there is always a chance that your puppy or kitten will have a problem that plagues them for the rest of their life.

Unfortunately, nearly every pet insurance company excludes conditions that were pre-existing prior to enrollment. In fact, despite our best efforts we were only able to find three companies that offered any sort of coverage for pre-existing conditions. Even then these companies do not guarantee reimbursement, so make sure you always do your due diligence if your pet has any pre-existing conditions.
Despite our best efforts we were only able to find three companies that offered any sort of coverage for pre-existing conditions. #pets #insurance #pre-existing

Rated #1

PetPlan

Rating:

      7.91/10

Strong brand, few restrictions.

Pet Plan Pet Insurance Review
Starting at: $20.00 /mo

Prices range from $20/month up to $40/month and have no lifetime limits.

*Sample prices based on a 2 year old mixed breed from Michigan with a $100 deductible and 80% reimbursement level.

PetPlan is the only company to specifically state that they will cover pre-existing conditions. They provide this conditional coverage by separating problems into two categories: curable and non-curable pre-existing conditions. Diabetes, asthma, and orthopedic illnesses are examples of non-curable conditions, while broken bones, respiratory and bladder infections, and UTI’s are examples of curable ones. Thus, if your pet happens to have a pre-existing condition that is deemed curable you will still be eligible for coverage.

That is not all that PetPlan does however. They will also insure both hereditary and congenital conditions, even if your pet has shown signs prior to enrollment. These two great offers combine to help make PetPlan the number one pet insurance for pre-existing conditions. Overall, if your pet has already had prior treatments before even having insurance then PetPlan is your best bet to receive the most amount of coverage possible.

A Few Details about this Insurer:

PetPlan does not offer wellness add-ons so all of their coverage of congenital and pre-existing conditions is included with their main plan. On average insurance will cost $25/month for cats and $40/month for dogs.

Deductables: $50, $100, $200 Per Incidence Limits: No Limits
Co-Pay Coverage: 80%, 90%, 100% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $10,000, $14,000, $22,000
Maximum Enrollment Age: None Effective Date: Day after purchase.

Have any concerns? PetPlan provides top of the line customer service 24 hours a day, seven days a week to help answer any further concerns you may have.

Rated #2

ASPCA

Rating:

      7.6/10

Customizable with pick and choose features.

ASPCA Pet Insurance Review
Starting at: $21.00 /mo

For cats, monthly cost will be around $7.50 for Level 1, $16 for Level 2, $23 for Level 3, and $35 for Level 4.

*Sample prices are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level.

Unlike PetPlan, ASPCA does not specifically say that they will provide insurance for pre-existing conditions. This means that if your pet has displayed signs of a disease prior to enrollment or during the waiting period then you will likely be ineligible for reimbursement for that condition. Instead, ASPCA has a 180 day period where your pet must show no signs or symptoms of the disease. If this length of time is reached, then in the future there is the possibility that your pet may be covered for this same condition.

ASPCA also has a program called “Continuing Care” that comes with all of their plans. It is designed to cover chronic and ongoing conditions such as allergies or cancer. This benefit helps put ASPCA second on this list, even if they do not explicitly cover pre-existing conditions.

A Few Details about this Insurer:

ASPCA has four plans that vary in cost and coverage limits. A regular monthly cost averaged between the four plans is $21 for cats and $28 for dogs. “Continuing Care” is included free of charge, however it is subject to a second deductible of $100 before coverage can begin.

Deductables: $100, $250, $500 Per Incidence Limits: $2,500, $3,000, $5,000, $7,000
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: No Limits
Maximum Enrollment Age: 12 Years Dogs, 14 Years Cats - New Customers Effective Date: 1st and 15th of the Month (after payment)

Away from home? ASPCA has a hotline specifically designed for customers who are more than 100 miles away from home that can help with referrals, prescriptions, or general advice.

Rated #3

Nationwide

Rating:

      7.9/10

Great coverage and fair prices.

nationwide pet insurance review
Starting at: $20.00 /mo

Monthly costs are as low as $11 for cats and $20 for dogs

*Sample prices are based on a 2 year old mixed breed from Michigan with a $250 deductible.

Nationwide’s approach to pre-existing conditions is very similar to ASPCA. While not specifically stating that they cover pre-existing conditions, they do allow the possibility if certain criteria is met. If your pets disease has be deemed to be non-chronic, and they have been symptom free for at least six months, then you may be eligible for coverage in the future. This is the case even if your pet showed symptoms prior to enrollment with Nationwide. However, since this is such ambiguous terminology and does not guarantee anything it would be best to contact Nationwide directly and let them know about the issues your pet already has.

Nationwide fails to finish higher on this list because they do not ever provide coverage for any chronic or hereditary conditions, no matter the plan. This greatly limits their effectiveness in dealing with problems that might be considered pre-existing. Nevertheless, they are still very unique among pet insurance companies for even providing any coverage for pre-existing conditions.

A Few Details about this Insurer:

Coverage for pre-existing conditions is included with the main plans offered by Nationwide. They will cost an average of $24/month for dogs and $13/month for cat owners.

Deductables: $100, $250, $500 Per Incidence Limits: $7,000
Co-Pay Coverage: Annual Claims Limits: no limits
Minimum Enrollment Age: None LifeTime Claims Limits: No Limits
Maximum Enrollment Age: 10 Years for New Customers - No limit for existing customers Effective Date: Day after application is approved

Need extra advice? Nationwide has 24/7 helpline with direct access to veterinarians dedicated to helping customers answer all of their pet questions.

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