If you’re considering pet insurance, it’s important to understand what is covered, especially when it comes to pre-existing conditions. These are medical conditions that your pet had before getting insurance coverage. While most pet insurance companies don’t cover pre-existing conditions, there are some that offer coverage for future occurrences of curable pre-existing conditions. In this article, we’ll provide a list of the best pet insurance companies that offer pre-existing condition coverage and explore their offerings in detail.
Our Top Picks for the Best Pet Insurance for Pre-Existing Conditions
- AKC
- Pumpkin
- Embrace
- Spot
- ASPCA
- 24Petprotect
AKC Pet Insurance
The American Kennel Club (AKC) is the only pet insurance company that covers both curable and incurable pre-existing conditions. This means that once you have had your AKC policy for one year without any lapses in coverage, you can get coverage for future treatment of any conditions your pet had before getting insurance.
Pumpkin Pet Insurance
Pumpkin pet insurance is another great option that offers coverage for curable pre-existing conditions. While incurable pre-existing conditions are not covered, curable ones are. In addition to that, all Pumpkin plans include accident and illness coverage with a 90% reimbursement rate.
Embrace Pet Insurance
Embrace pet insurance is a reputable option that offers coverage for curable pre-existing conditions after a year of your pet showing no symptoms and not needing treatment. Embrace also provides numerous discounts, including multiple pets and military discounts, helping you save on your policy.
Spot Pet Insurance
Spot pet insurance offers customizable plans with coverage for certain curable pre-existing conditions. You can choose a deductible ranging from $100 to $1,000 and a reimbursement rate of up to 90%. One of the benefits of Spot is that it offers an unlimited annual coverage limit, allowing you to make the most of your policy.
ASPCA Pet Health Insurance
The American Society for the Prevention of Cruelty to Animals (ASPCA) pet health insurance offers customizable accident-only or accident and illness plans with an optional wellness rider. ASPCA has a waiting period of 14 days for hereditary conditions, which is shorter compared to other companies. You can get coverage for curable pre-existing conditions after they have been cured for 180 days.
24Petprotect
24Petprotect is the pet insurance product of 24Petwatch, a microchip registration service. The company offers accident-only and accident and illness pet insurance policies with the option to add a wellness plan. After 180 days of no treatment or symptoms, 24Petprotect may no longer consider a curable pre-existing condition as pre-existing.
FAQs
Q: What are pre-existing conditions for pet insurance?
A: Pre-existing conditions for pet insurance are any injuries or illnesses your pet had before your coverage started. It could be a condition that started before you purchased a policy or during the waiting period.
Q: Does pet insurance cover pre-existing conditions?
A: Typically, pet insurance does not cover chronic pre-existing conditions that existed before you had a policy. However, many companies cover future incidents of curable pre-existing conditions after a certain period of time without symptoms or treatment.
Q: Does pet insurance cover bilateral conditions?
A: Coverage for bilateral conditions, which affect both sides of the body, can be complicated. Generally, these conditions are not covered if they existed before enrolling or before the waiting period was over. However, coverage may be available if the condition develops after your policy’s coverage begins.
Conclusion
When looking for pet insurance that covers pre-existing conditions, it’s important to consider the specific coverage offered by each company. While most companies don’t cover pre-existing conditions, some provide coverage for curable pre-existing conditions after a certain period of time without symptoms or treatment. Our top picks for the best pet insurance for pre-existing conditions include AKC, Pumpkin, Embrace, Spot, ASPCA, and 24Petprotect. Do your research, read policy details carefully, and choose the one that best fits your pet’s needs.
