Best Pet Insurance for Pre-Existing Conditions

Top 4 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, all pet insurance companies state they specifically exclude conditions that were pre-existing prior to enrollment Рhowever there is still some hope. In fact, despite our best efforts we were only able to find four companies that offered some relief for pet owners with pre-existing conditions. But even with these companies they state they don't cover pre-existing conditions Рhowever some will take a closer look on a case by case basis if the condition is considered curable, and if the pet hasn't showed signs for some stated period of time.  Even then these companies do not guarantee reimbursement or coverage, 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

Disclosure: Some of the links below are affiliate links, meaning at no additional cost to you, we will earn a commission if you click through and make a purchase. Our views and opinions are strictly our own however - based on our own research and experiences. We do appreciate your using our links, so we can continue to bring you quality content.
Provider DescriptionScore
Editor choice
Figo Pet Insurance Review

Figo Pet Insurance Review

Figo is an excellent choice for any dog or cat owner that is looking for comprehensive illness and accident coverage, while paying for wellness and routine visits out of pocket. Tech savvy pet parents will be particularly happy with Figo's Pet Cloud.

Type of Deductible: Annual
Available Deductibles: $50, $100, $200, $500
Co-Pay Coverages: 70%, 80%, 90%, 100%

Figo states that: On a case by case basis, we may waive a pre-existing condition if we deem the condition was curable and it has not shown signs or symptoms in the prior 12 months.

Add to compare
2 PetPlan Pet Insurance Review

PetPlan Pet Insurance Review

PetPlan Pet Insurance is a great option for those customers looking for comprehensive accident and illness plans with flexible co-pays, deductibles and annual limits, who are willing and able to pay out of pocket for routine wellness care.

Type of Deductible: Annual
Available Deductibles: $100, $125, $150, $175, $200, $225, $250, $300, $500, $1000
Co-Pay Coverages: 70%, 80%, 90%

Petplan separates pre-exiting conditions into two categories: curable and non-curable conditions. Their coverage is conditional to cover only curable pre-existing conditions. Thus, if your pet happens to have a pre-existing condition that is deemed curable you may still be eligible for coverage after an exclusionary period.

Add to compare
3 ASPCA Insurance Review

ASPCA Insurance Review

When buying insurance from the ASPCA you can be confident that you will get the experience and care they have developed from being the oldest animal humane society in North America. With their extremely customizable plans, you can get as little or as much coverage as you feel you need.

Type of Deductible: Annual
Available Deductibles: $100, $250, $500
Co-Pay Coverages: 70%, 80%, 90%

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.

Add to compare
4 Nationwide Pet Insurance Review

Nationwide Pet Insurance Review

Nationwide Pet insurance, formally known as VPI, is the biggest and oldest pet insurance company for a reason. They offer quality plans at great prices and provide every option that a pet owner could ask for. They are the only insurance company to provide coverage for exotic animals and birds.

Type of Deductible: Annual
Available Deductibles: $250
Co-Pay Coverages: 90%

If your pets disease has been 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. 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.

Add to compare
Compare items
  • Accounting Software (0)
  • Beer Clubs (0)
  • Brownie Shops (0)
  • Chocolate Clubs (0)
  • Cloud Backup (0)
  • Coffee Clubs (0)
  • Gift Basket Merchants (0)
  • Meal Delivery Kits (0)
  • Pet Insurance (0)
  • Small Business Phone Systems (0)
  • Web Conferencing (0)
  • Web Hosting (0)
  • Wine Clubs (0)
  • (0)
Compare
0