Can You Insurance A Dog With A Pre Existing Condition

August 09, 2021

The costs of treating that particular issue won’t be covered by your new plan, but you can expect coverage for future illnesses and injuries. And if that happens, your premiums could go up when you try to take out insurance again.

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The short answer is not yet.

Can you insurance a dog with a pre existing condition. Pedigree dogs are particularly at risk of developing ongoing medical issues. But they'll cover them if they develop another, unrelated illness. Yes, you need to declare any issues your pet has, or had.

This guide outlines everything a pet insurance policy can cover. However, we do not cover conditions your pet has experienced in the three months before a policy starts. You can learn more about your pet medical records here.

If you know about these conditions, you're obligated to disclose them to the insurance company. To qualify, your pet shouldn’t need medical treatment for that condition within a certain time frame. Sometimes cats and dogs suffer an ongoing condition like diabetes, cancer or epilepsy.

You’ll only pay the premium relevant to your dog… Any chronic conditions they have will be excluded from your policy. While you may not be able to get reimbursed for treatments related to that particular condition, you can receive payouts for future injuries or illnesses.

The only thing you can do is speak with your existing insurer and find out if you get a letter from your vet stating that it was a one off occurrence and unlikely to need any further medical assistance that they will cover your. This definition includes recurring illnesses or conditions as well as injuries and associated complications. Your cover could be cancelled too.

Pet insurance is a funny thing, and the minute you need a vet for anything it is classed as a pre existing condition. This is a problem or disease that your pet may have shown symptoms of or been diagnosed with before you purchased the policy, or that came to be during the waiting period before the policy became effective and coverage actually began. So pet insurance is still worth it.

Some conditions can be covered straight away, some can be covered once your pet has been clear for a set period of time and other conditions can not be covered at all. The waiting period can range from a few months to one year.

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