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Pet鈥檚 medical record
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What is a pre-existing condition for pet insurance?
A pre-existing condition is determined by your pet鈥檚 medical record. So any signs or diagnoses of an illness that show up before your policy waiting periods are up would be considered a pre-existing condition. Certain breeds are prone to certain illnesses.
Does ASPCA Pet insurance cover pre existing conditions?
The ASPCA Pet Health Insurance program does not require a veterinary exam or any medical records for enrollment. Can a pre-existing condition be covered in the future? Pet insurance providers may define and handle pre-existing conditions differently, so it depends on the plan.
Should you enroll in pet insurance if your pet has pre-existing conditions?
You should still enroll in pet insurance even though your pet has a pre-existing condition. If your dog or cat develops any other illness, or gets into an accident, not being covered could lead to significant out-of-pocket costs to get your pet the care they need.
Does cat insurance cover pre-existing conditions?
Both species can also suffer from curable pre-existing conditions like infections and gastrointestinal problems. All of these are considered pre-existing if they are diagnosed before your cat insurance kicks in, although curable conditions could be covered if/when they arise again later.