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Pet Insurance That Covers Pre-existing Conditions

Unlimited claims
No upper age limit
No credit checks
Multiple pet discounts

Compare Top Pet Insurance Plans

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  • Pre-existing conditions for pets can include curable, incurable, genetic and bilateral conditions like hip dysplasia.
  • Pets with pre-existing conditions often still qualify for pet insurance, but policies typically won’t cover related medical expenses.
  • Some pet insurance providers will cover expenses for curable pre-existing conditions after a specified amount of time with no treatment or symptoms.
  • Insurance for pets with pre-existing medical issues may be more expensive, but pet owners can save money by comparing rates.
  • We recommend using an online comparison tool to get personalized quotes from multiple providers. This can save you time and help you get the best rate.

Our top picks for pet insurance that covers pre-existing conditions

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Our Top Pick for Pre-Existing Conditions | Coverage After Cured for 180 Days

Spot Pet Insurance

4.9
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$2,500 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000
Why We Like It

Editor's take

With Spot insurance, after 180 days, an injury or illness that is curable and free of treatment and symptoms will no longer be regarded as pre-existing, except for knee and ligament conditions.

Spot offers a wide range of annual coverage and deductible options to suit all budgets and is one of a few providers that offer a discount for owners with multiple pets (10%). They also tend to cover more things than other providers such as advanced care and alternative therapies. There is no maximum enrollment age, meaning elderly pets can get coverage at any time.

Spot offers several plan options including an accident-only plan, an accident & illness plan, and 2 tiers of wellness add-ons (Gold & Platinum) which can cover things like teeth cleaning. Another benefit to Spot is that euthanasia and exam fees (for covered conditions) are included with their accident & illness plan.

Spot has a 14-day waiting period for accidents, illnesses, and ligament/knee conditions. Spot will also cover pre-existing conditions if they are considered curable and your pet has not had symptoms or treatments for at least 180 days.

PROS

  • Multi-pet Discount
  • Dental Disease
  • Chronic Conditions

CONS

  • Boarding
  • Pays Vet Directly

Best for Add-On Options | Coverage After Cured for 12 Months

Lemonade Pet Insurance

4.8
GET A QUOTE on Lemonade's secure website
Maximum annual coverage
$5,000 - $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Why We Like It

Editor's take

Lemonade pet insurance may cover pre-existing conditions if your pet’s condition has been cured for at least 12 months. However, only certain states are eligible for this coverage.

Lemonade is renowned for its affordable accident & illness coverage and its plethora of customizable plans. They are one of the few pet insurance providers that offer dental coverage and have a convenient phone app that allows you to manage your policy online.

Add-ons from Lemonade include coverage for preventative care, vet visit fees, dental illness, physical therapy, behavioral conditions, and end-of-life care and remembrance.

With Lemonade’s accident and illness plan, there is a two-day waiting period for accidents and a 14-day waiting period for illnesses. Additionally, there is a six-month waiting period for cruciate ligament events. While Lemonade offers excellent coverage at an affordable price, they 诲辞苍’迟 offer telemedicine, 诲辞苍’迟 cover spay/neuter costs for pets over 2 years old, and vet fees are extra unless you purchase the add-on.

PROS

  • Surgery
  • Chronic Conditions
  • Emergency Vet Visits

CONS

  • Prescription Food
  • Pays Vet Directly

Best for Switching Providers | Coverage After Cured for Variable Times

MetLife Pet Insurance

4.7
GET A QUOTE on MetLife's secure website
Maximum annual coverage
$1,000-$10,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $250, $500
Why We Like It

Editor's take

Metlife Pet Insurance may cover certain curable pre-existing conditions when they have been resolved and free of symptoms for some time, such as 180 days or 12 months. They also have the unique benefit of possibly covering a pre-existing condition if it was covered by a previous policy with a different provider.

We love that MetLife has same-day accident coverage, which goes into effect at midnight on the day you buy a policy, a far shorter wait than many pet insurance companies require.

We also like how they offer a variety of discounts for pet parents, like multi-pet discounts, employer benefit discounts, first-responder discounts, health care worker discounts, and more. On top of that, your deductible has the potential to decrease each year you 诲辞苍’迟 file a claim!

Metlife offers a family plan that allows you to buy one policy, with one deductible and one annual limit, that can be shared between up to 3 pets. This can save you money instead of buying 3 individual policies. However, if one pet has an accident and you reach your annual limit, it means you’ve reached it for all pets on the plan and no more expenses will be covered.

With MetLife, you 诲辞苍’迟 need an initial exam to enroll your pet, there is no upper age limit, and many accidents and illnesses are covered as part of your insurance plan. Although traditional MetLife accident and illness policies 诲辞苍’迟 include wellness exams and dental cleanings, you can opt into their preventative care add-on to get coverage for these things and more.

Accident coverage (and wellness coverage, if you choose to opt-in) goes into effect at midnight on the day you enroll your pet. Illness coverage requires a 14-day wait before coverage is effective. Many orthopedic conditions are also covered at the time that illness coverage kicks in.

PROS

  • Alternative Therapies
  • 24/7 Vet Chat
  • X-Rays & CT Scans

CONS

  • Microchipping
  • Pays Vet Directly
  • Boarding

Best for Discounts | Coverage After Cured for 12 Months

Embrace Pet Insurance

4.8
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000
Why We Like It

Editor's take

Embrace pet insurance covers curable pre-existing conditions if your pet has not had any symptoms or treatment for that specific illness for 12 months.

Embrace offers highly customizable plans and discounts to customers with multiple pets (10% off) or who are military members (5% off). Embrace offers an accident & illness plan with optional wellness coverage as an add-on, which covers things like exam fees and prescription drugs. Additionally, Embrace offers a diminishing deductible, meaning that every year you 诲辞苍’迟 file a claim, your deductible is lowered by $50.

In case of an emergency, you’ll also get access to 24/7 virtual assistance via telemedicine calls which can help you diagnose if it’s necessary to rush to an in-person emergency vet. This feature alone could save you hundreds on vet bills, which is another reason we love Embrace.

With Embrace’s accident and illness plan you’ll have a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

PROS

  • Surgery
  • Chronic Conditions
  • Hereditary and Congenital Conditions

CONS

  • Pays Vet Directly

Best for Reimbursement | Coverage After Cured for 12 Months

Figo Pet Insurance

4.6
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%, 100%
Deductible choices
$100, $200, $500, $750, $1,000, $1,500
Why We Like It

Editor's take

Figo may consider covering a pre-existing condition if your pet has been symptom-free for at least 12 months but will review each case to determine if your pet’s condition will be covered.

Figo is known for its fast claim processing which is a huge benefit to its customers. It’s one of the few providers that offer 100% reimbursement (on plans with deductibles of $500+). It’s also great for elderly animals as it has no age limit for enrollment.

Figo has lots of plan options to suit all types of budgets. It offers several pre-set accident & illness plans but also allows you to customize your plan based on your desired coverage limits, deductible, and reimbursement level. You can also opt for add-ons that offer continued wellness coverage and reimbursement for vet exam fees. All plans come with 24/7 vet assistance text-chat, however, video/phone telehealth consultations are also available as part of the wellness add-on.

With Figo, there is a 1-day waiting period for accidents and injuries and 14 days for illnesses.

For dogs, there is also a 6-month waiting period for orthopedic conditions. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy.

PROS

  • Chronic Conditions
  • Dental Disease
  • Breed Specific Issues

CONS

  • Prescription Food
  • Microchipping
  • Pays Vet Directly

Best for Deductible Options | Coverage After Cured for 180 Days

Pets Best Insurance

4.6
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
Why We Like It

Editor's take

Pets Best insurance will cover a variety of curable pre-existing conditions (excludes knee and ligament conditions) if your pet has been free of symptoms from that condition for at least 180 days.

We like Pets Best as it offers competitively priced plans with a wide range of deductible options. There is no age limit for sign-ups, meaning you can purchase coverage for your pet later in life. You’ll also get unlimited access to a 24/7 emergency vet hotline for quick consultations at all hours of the day.

Pets Best offers multiple plans including an Accident-only plan, as well as 3 tiers called Essential, Plus, and Elite. You can also opt for an add-on for wellness / routine care plans for an extra fee which offers good coverage versus other plans on the market.

Last, but not least, Pets Best is one of the few providers who can pay the vet directly for you. Simply download the reimbursement release form from their website and have your vet’s office sign and agree to receive payment directly from the provider and Pet’s Best will handle the rest.

With Pets Best you can expect a waiting period of 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament conditions. When choosing, note that exam fees are not included in the Essential plan, which is why we recommend opting for a higher-tier plan, such as the Elite plan, with a wellness add-on.

PROS

  • Surgery
  • 24/7 Vet Chat
  • Exam Fees

CONS

  • Alternative Therapies
  • Breed Specific Issues
  • Prescription Food

Best for Senior Pets | Coverage After Cured for 180 Days

Pumpkin Pet Insurance

4.2
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$10,000 - Unlimited
Reimbursement choices
90%
Deductible choices
$100, $250, $500, $1,000
Why We Like It

Editor's take

Pumpkin insurance will cover most common, curable pre-existing conditions (excluding knee and ligament conditions) if your pet has been free of symptoms and treatment for that condition for at least 180 days.

We love Pumpkin for its wide-reaching coverage and reimbursement level. Where other companies let you choose low reimbursement levels, Pumpkin ensures you get 90% back from covered claims and has no maximum age of enrollment. As an added benefit, owners with multiple pets get a 10% discount on policies. When it comes to coverage, what is offered as add-ons from other companies comes standard at Pumpkin.

Pumpkin has a standard accident & illness plan that covers exam fees, dental illnesses, behavioral issues, hereditary & congenital conditions, rehab therapies, and end-of-life services. You can also customize your plan with an optional add-on for preventative care.

With Pumpkin’s accident & illness plan, there is a 14-day waiting period. While this is longer than some other providers, Pumpkin has no extended waiting period for hip dysplasia or knee injuries making it a great option for animals prone to joint issues. On the downside, their add-on plan for preventive care doesn’t have a lot of coverage.

PROS

  • Multi-pet Discount
  • Dental Disease
  • Hereditary and Congenital Conditions

CONS

  • Breed Specific Issues
  • Boarding
  • Pays Vet Directly

Best for Wellness Coverage | Coverage After Cured for 12 Months

Paw Protect

5.0
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
Why We Like It

Editor's take

Paw Protect may cover curable pre-existing conditions if your pet has not had any symptoms or treatment for that specific illness for 12 months.

Paw Protect is a relatively new provider but has taken the market by storm. One of its main draws is that it offers customers a $2,000 interest-free charge card that can be used to pay the vet directly, so you have no out-of-pocket expenses. Most other providers require you to pay upfront and be reimbursed.

Paw Protect offers an accident & illness plan as well as an optional Wellness plan available as an add-on. Like some other providers, it comes with 24/7 telemedicine coverage which allows you to speak to a vet in case you have an emergency and aren’t sure whether to take your animal in for a visit. It also offers considerable discounts if you have multiple pets (10% off) or are a military member (5% off).

Paw Protect accident and illness plan has a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

PROS

  • Chronic Conditions
  • Prescription Medication
  • Pays Vet Directly

CONS

  • Boarding

Best for Special Perks | Coverage After Cured for 12 Months

Fetch by The Dodo

4.6
GET A QUOTE via Petinsurer.com's secure website
Maximum annual coverage
$5,000 - $15,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$300, $500, $700
Why We Like It

Editor's take

Fetch may cover pre-existing conditions as long as they are curable (like acute infections) and your pet has been free of symptoms and treatment for the condition for 12 months.

Fetch by The Dodo offers simple and straightforward plans with some of the most comprehensive coverage on the market. There is no age limit for enrollment and it covers things most other providers 诲辞苍’迟 offer. As an example, if your pet is lost, Fetch will cover expenses for lost pet ads and will even chip in to offer a reward. If you’re in the hospital, they’ll cover your boarding fees. They also offer a 10% discount to military members.

Fetch only offers their standard accident & illness plan which includes TeleVet services and dental coverage at no extra cost. However, unlike other providers, there is no preventative/wellness plan option with this provider.

Fetch has a waiting period of 15 days for accidents & illness and a 6-month waiting period for injuries for knee & hip injuries. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy with no pre-existing orthopedic conditions.

PROS

  • Emergency Vet Visits
  • Dental Disease
  • Allergies

CONS

  • 24/7 Vet Chat
  • Prescription Food
  • Pays Vet Directly
Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

Does pet insurance cover pre-existing conditions?

Most pet insurance policies 诲辞苍’迟 cover pre-existing conditions.

Pets with pre-existing conditions may still qualify for a pet insurance policy, but the insurer won’t pay for any medical expenses related to that condition.

To understand why pre-existing health concerns usually aren’t covered by pet insurance, you need to consider the insurer’s perspective. Pet insurance companies collect premiums from all their customers and then use this revenue to reimburse you for covered veterinarian services.

For profitability, a pet insurance company must collect more in premiums than they pay out in reimbursements. Pets with pre-existing conditions already have health issues, so they’re more likely to require vet services and will be more expensive to insure. To help control costs, insurance companies exclude pre-existing conditions.

Simply put, pet insurance coverage is meant to protect you from future expenses, not to pay for current ones.

FInding the right pet insurance coverage

Compare Coverage
Accident & Illness Coverage
Available
Available
Accident-Only Coverage
Available
Not Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Covered
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Covered
Covered
Alternative Therapies
Covered
Covered
Behavioral issues
Covered
Covered
Breed Specific Issues
Covered
Covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Covered
24/7 Vet Chat
Covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Covered
Covered
Blood Tests
Covered
Covered
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Covered
Add On
Microchipping
Covered
Add On
Boarding
Not covered
Not covered
Euthanasia
Covered
Covered
Max Enrollment Age
No Max
14 years
Accident Waiting Period
14 days
2 days
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
14 days
6 months

What are pet pre-existing conditions?

Pre-existing conditions are health conditions your pet has when you sign up for coverage or that start during a waiting period after you purchase a policy. This can potentially be avoided if you choose pet insurance with no waiting period.

It doesn’t matter if your pet has received a diagnosis from a veterinarian. If your dog or cat has a symptom of a condition before you purchase coverage, pet insurance plans are unlikely to pay for veterinary costs associated with treatment.

Pre-existing health conditions for pets are broken down into four categories. Let’s take a look at each one.

Curable pre-existing conditions

Curable conditions are ones your pet can recover from with treatment.

Curable pre-existing conditions include issues like:

Generally, pet insurance won’t cover curable pre-existing conditions your pet has when a policy takes effect, but that doesn’t mean they can’t be covered in the future. Pet insurance providers may state that after your pet is symptom-free for a set period of time, such as 6 months, the condition can be covered.

For example, imagine your dog has an ear infection when you purchase a policy. Since the infection is a pre-existing condition, the insurer won’t cover the vet visit or the antibiotics needed to diagnose and treat it.

A year goes by and your pet develops another infection. Since they didn’t have a symptom for more than 6 months, the insurance policy will now reimburse you for covered expenses related to treatment.

Keep in mind that some conditions may be excluded from the curable pre-existing conditions category even if they’re fixable. For instance, cruciate ligament conditions in dogs are curable and may be repaired through surgery. However, many pet insurance plans won’t cover the treatment, even if a pet goes for an extended period of time without a symptom.

Incurable pre-existing conditions

Incurable pre-existing conditions are chronic conditions a dog or cat will have for life.

These incurable pre-existing conditions include things like:

Pet insurance companies typically won’t pay for expenses related to these types of incurable health problems at any time since they’re long-term issues.

Genetic conditions

Genetic conditions are those passed on to a dog or cat from their parents. You may sometimes see them referred to as hereditary conditions, and they’re most common among purebred dogs and cats.

Some examples of genetic conditions include:

Pet insurance typically won’t pay any vet bills related to hereditary conditions.

Bilateral conditions

Bilateral conditions are medical issues that can occur on both sides of a pet’s body.

Examples of bilateral conditions include:

An insurance company may cover some bilateral conditions when they occur for the first time on one side of a dog or cat’s body. However, many policies then consider the condition pre-existing and won’t pay to treat the problem if it affects the other side in the future.

There are some exceptions, however. Some pet insurance providers offer an add-on to standard coverage for bilateral health issues. You pay an extra fee per month for this additional benefit.

Which pet insurance companies cover pre-existing conditions?

You may be able to find an insurer to cover your pet’s pre-existing conditions.

Pet insurance company Do they cover pre-existing conditions? How long before covered?
Spot Pet Insurance Yes, if curable 180 days
Lemonade, Inc. Yes, if curable 12 months
MetLife Pet Insurance Maybe, if curable or covered previously No specified time
Embrace Pet Insurance Yes, if curable 12 months
Figo Pet Insurance Yes, if curable 12 months
Pets Best Insurance Services, LLC Yes, if curable 180 days
Pumpkin Pet Insurance Yes, if curable 180 days
Paw Protect Yes, if curable 12 months
Fetch by The Dodo Yes, if curable 12 months
Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

How do pet insurance companies identify pre-existing conditions?

Pet insurers identify pre-existing conditions in three ways:

As previously mentioned, it’s not necessary for a vet to diagnose a pet with a condition for it to be considered pre-existing. If your pet has a symptom of a condition when you apply for coverage, the insurance policy is unlikely to cover blood work, x-rays and other tests to diagnose the symptom as well as related treatments in the future.

How much does pet insurance that covers pre-existing conditions cost?

The cost of pet insurance for a dog or cat with medical conditions depends on a variety of factors.

These factors include:

Here’s a quick rundown of the average annual premiums.

Type of plan Average dog insurance cost Average cat insurance cost
Accident-only $387.01 $122.19
Accident and illness $640.04 $200.58

This data comes from the North American Pet Health Insurance Association.

How to find the best pet insurance for pre-existing conditions

Pre-existing conditions shouldn’t prevent you from getting pet insurance for your dog or cat.

In fact, they only make coverage more important. After all, you already know you’ll have ongoing vet expenses. Even though the policy likely won’t cover pre-existing conditions, pet insurance may still be worth it by helping to limit your costs and make care more affordable.

To get the cheapest pet insurance possible, follow these tips:

1

Ask about discounts:

Some companies offer discounts that can reduce costs. For example, you might get a multi-pet deal if you buy policies for more than one pet through the same company or bundle other types of insurance like car or homeowners policies with pet insurance.

See More See Less
2

Act now:

Pet insurance costs go up as your pet ages. Buying a policy as soon as possible can help you lock in a lower rate, making premiums more affordable even with pre-existing conditions.

See More See Less
3

Focus on preventive care:

Being a responsible pet owner may help reduce the costs of vet care. Take your dog or cat for wellness visits as often as recommended and keep their vaccinations up to date.

See More See Less
4

Explore alternatives:

Payment plans and discount membership services like Pawp and Eusoh can help make vet care more affordable and manageable. You can use these services to help cover costs associated with pre-existing conditions not covered by your policy.

See More See Less
5

Shop around:

Premium costs can vary greatly between providers. To get the best deal, obtain quotes from multiple insurers. Remember that deductibles, coinsurance rates and coverage limitations also affect your total cost, so consider these factors as well as premium amounts.

See More See Less

FAQ: Pet pre-existing conditions

What is considered a pre-existing condition for pets?

A pre-existing condition is a health problem a pet has been diagnosed with or has a symptom of when you apply for insurance coverage.

How do pet insurance companies know about pre-existing conditions?

Pet insurance companies usually require that pets undergo a veterinary exam or ask to review your pet’s medical records before approving an application. In some cases, they may also require that you to fill out a questionnaire.

Can I get pet insurance after a diagnosis?

Yes, you can usually still obtain insurance for a pet after a diagnosis, but the policy likely won’t cover any expenses related to the pre-existing condition.

Can I get reimbursed for previous wellness services?

No, pet insurance typically only pays for services your pet receives after you purchase coverage. It’s meant to protect you from future costs rather than to pay for previous expenses.

What is a pre-existing condition waiting period?

In some cases, pet insurance companies impose a pre-existing condition waiting period that begins on the date the policy takes effect, known as the effective date. If you purchase a policy with a waiting period, the insurance may not cover any health conditions your pet develops during this period.

Hayley Harrison
Hayley Harrison Personal Finance

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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