pet insurance for dogs with pre-existing conditions

Introduction

Pet ownership brings immense joy, companionship, and emotional support. However, just like humans, pets—especially dogs—can suffer from various health issues over their lifetime. For pet parents of dogs with pre-existing conditions, obtaining pet insurance can be tricky, yet it’s not impossible. Understanding how insurance companies handle pre-existing conditions and exploring available options can help you make informed decisions for your beloved canine companion.=

What Are Pre-Existing Conditions in Dogs?

A pre-existing condition is any illness, injury, or health issue that your dog had before the start of a new insurance policy or during a waiting period. These conditions may include:

• Allergies

• Arthritis

• Hip dysplasia

• Cancer

• Diabetes

• Skin disorders

• Heart disease

• Chronic ear infections

Pre-existing conditions are usually excluded from coverage, but some policies may cover them under specific circumstances (like curable conditions).

Can You Get Insurance for Dogs with Pre-Existing Conditions?

Yes, but with limitations.

Most standard pet insurance policies do not cover pre-existing conditions. However, there are a few exceptions and specialized plans that may provide partial coverage, especially if the condition is:

• Curable (e.g., a past infection that hasn’t recurred for 12+ months)

• Well-managed with no complications in recent months

• Mild or not considered chronic

Some insurers evaluate your dog’s medical history and make case-by-case decisions.

Types of Pre-Existing Conditions

1. Curable Pre-Existing Conditions

These are conditions that can be resolved completely and may not return. Insurers like ASPCA and Pets Best may cover such conditions if your pet is symptom-free for a certain period (commonly 6–12 months).

Examples include:

• Bladder infections

• Ear infections

• Vomiting or diarrhea due to infection (not chronic)

• Respiratory infections

2. Incurable Pre-Existing Conditions

Chronic or long-term conditions usually fall in this category and are rarely covered.

Examples:

• Cancer

• Diabetes

• Epilepsy

• Arthritis

• Kidney disease

For these, most insurers permanently exclude coverage.

Best Pet Insurance Companies for Dogs with Pre-Existing Conditions

Here are some insurance providers that offer the most flexibility or alternatives for pets with health histories:

1. ASPCA Pet Health Insurance

• Covers curable pre-existing conditions if the pet is symptom-free for 180 days.

• Affordable and transparent policies.

• No upper age limits.

2. Embrace Pet Insurance

• Offers a “curable condition” clause with a 12-month symptom-free period.

• Customizable deductible and reimbursement options.

• Doesn’t cover incurable pre-existing conditions, but great for managing new ones.

3. Pet Assure (Discount Plan, Not Insurance)

• Not traditional insurance, but a veterinary discount plan.

• Covers all pre-existing conditions with 25% off at participating vets.

• No exclusions based on breed, age, or health condition.

• Ideal for dogs already diagnosed with chronic illness.

4. Wagmo

• Wellness plans only.

• Covers routine care like vaccinations, wellness exams, and dental cleaning.

• Doesn’t cover medical treatments but pairs well with discount programs for dogs with existing issues.

What Pet Insurance Usually Covers (Excluding Pre-Existing Conditions)

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For the parts of your dog’s health that aren’t affected by pre-existing issues, a pet insurance policy typically includes:

• Accidents (broken bones, swallowed items)

• New illnesses (after the waiting period)

• Hospitalization

• Surgery

• Prescription medications

• Lab tests and diagnostics

• Emergency care

Some comprehensive plans even offer:

• Behavioral therapy

• Alternative treatments (acupuncture, hydrotherapy)

• Chronic condition management (if developed after the policy start date)

How to Apply for Pet Insurance for a Dog with Pre-Existing Conditions

Step 1: Collect Your Dog’s Medical Records

Insurers often ask for a full vet history going back 12–24 months. Having this ready will help streamline the process and prevent surprises.

Step 2: Compare Providers

Look for:

• Curable condition clauses

• Transparency in exclusions

• Customer reviews for chronic condition handling

• Optional wellness add-ons or discount programs

Step 3: Understand Waiting Periods

Most policies won’t pay for any care during the first 14–30 days of the plan. You must wait for the coverage to become active.

Step 4: Ask for a Medical Review

Some companies offer a pre-policy medical review that outlines what will and won’t be covered. This removes future uncertainty.

Step 5: Consider Supplementary Options

Use wellness plans, discount programs (like Pet Assure), or start a health savings fund for uncovered expenses.

What to Do if Insurance Isn’t an Option

If no insurer covers your dog’s pre-existing conditions, consider these alternatives:

• Pet savings account: Put aside a fixed monthly amount for veterinary costs.

• Charity assistance: Groups like RedRover or The Pet Fund help with veterinary bills.

• Veterinary credit programs: CareCredit and Scratchpay offer interest-free payment plans for pet care.

• Low-cost clinics: Look for local veterinary colleges or animal welfare organizations offering subsidized treatment.

Tips to Reduce Future Costs

• Catch problems early with regular checkups.

• Maintain a healthy weight through diet and exercise.

• Vaccinate and deworm regularly.

• Invest in preventive care, even without insurance.

Final Thoughts

Insuring a dog with pre-existing conditions is more complex than insuring a healthy pet—but it’s not out of reach. While many policies exclude chronic or prior conditions, some insurers cover curable issues if managed properly. By combining partial insurance, discount programs, and preventive care, you can still reduce your long-term vet expenses and ensure a healthier life for your dog.

Whether you choose a full insurance policy, a discount plan like Pet Assure, or a custom mix, your dog’s health and comfort come first—and there are always ways to support them.