What You Need to Know About Pre-Existing Condition Exclusions for Pet Insurance

Your dog is part of the family, and you would do anything for her. That’s why you’re thinking of getting pet insurance—so you know your furry friend is always taken care of, no matter what. But do you know what’s covered by pet insurance? Do you know what’s not covered?

One thing to keep in mind when shopping for pet insurance is that pre-existing condition exclusions can vary from company to company. This means that if your dog has a health condition that started before you got pet insurance, it might not be covered by your policy.

In this article, we’ll break down pre-existing condition exclusions for pet insurance policies so you know what to expect before you buy a policy.

Fractures or broken bones

Imagine this: your dog fractures a leg and needs surgery. Sounds like a nightmare, right?

Well, if you have pet insurance, you won’t have to worry about the cost of the surgery. Your pet insurance policy will cover it. But there’s a catch: your policy might not cover any injuries or illnesses that your pet had before you bought the policy.

This is known as a pre-existing condition exclusion. And it’s something you need to be aware of before you buy pet insurance.

Make sure you read the fine print and understand what’s covered and what’s not. That way, you won’t be caught off guard if your pet needs expensive surgery or treatment.


It’s important to be aware of pre-existing condition exclusions for pet insurance, and one of the most common exclusions is for infections. Most pet insurance policies won’t cover any costs associated with a pre-existing infection, and this can include everything from a simple ear infection to something more serious, like kennel cough.

So if your pet is prone to infections, make sure you’re aware of this exclusion before you purchase pet insurance. It might be worth considering a policy that does cover pre-existing infections, or else you could be on the hook for thousands of dollars if your pet becomes ill.


If your pet is diagnosed with diabetes, their pre-existing condition exclusion may apply. This means that your pet’s insurance won’t cover any costs associated with the diagnosis or treatment of diabetes.

But don’t worry, there are still plenty of options available to you. You can work with your veterinarian to create a treatment plan that will help manage your pet’s diabetes and keep their costs down. You can also look into pet health insurance that specifically covers conditions like diabetes.

No matter what you decide to do, it’s important to remember that you’re not alone. There are plenty of people out there who are willing to help you and your pet get through this tough time.


So, you’re considering getting pet insurance, and you’re wondering whether or not your pet’s allergies will be excluded. Let’s take a look at what that means.

Most pet insurance policies have a pre-existing condition exclusion clause, which means that any illnesses or conditions that your pet had before you bought the policy will not be covered. This can be tricky, because it’s not always easy to determine when an illness began.

If your pet has allergies, you’ll want to check the policy carefully to see if they’re excluded. Some policies may cover allergies if they’re treated early on, but others may not. It’s always best to read the fine print so that you know exactly what you’re getting into.

Orthopedic conditions

When you’re looking for pet insurance, it’s important to know that not all policies cover orthopedic conditions. Orthopedic conditions are generally considered pre-existing conditions, and most insurance companies will exclude them from coverage.

This means that if your pet develops a condition like arthritis, hip dysplasia, or cruciate ligament disease, you won’t be able to get reimbursed for the costs of treatment. It’s important to read the fine print and understand what’s covered and what’s not.

If your pet has an orthopedic condition, it’s a good idea to call the insurance company and find out how much of the treatment costs they’ll cover. You may find that it’s worth paying a little bit more for a policy that covers orthopedic conditions.


When it comes to pre-existing condition exclusions for pet insurance, there are a few things you need to know. Most pet insurance companies exclude conditions that your pet has been treated for or diagnosed with in the past, and some companies also exclude conditions that run in your pet’s family.

This can be tricky, because you never know when your pet might develop a health problem. That’s why it’s important to read the exclusions policies carefully before you decide on a pet insurance company.

If you’re worried about your pet developing a health problem, consider purchasing pet insurance while they’re still young and healthy. This will help ensure that you’re covered if something does happen.

When it comes to pre-existing condition exclusions for pet insurance, it’s important to know what you’re getting into. Make sure you read the policy carefully and understand what is and isn’t covered.

Anime Devil

Even hell runs on money.
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