What is a pre-existing condition?


These are any health conditions that first occurred before the pet insurance policy's start date (aka effective date). Anything that is documented on your pet's medical health record before you get pet insurance will likely be considered a pre-existing condition and will be excluded from coverage (meaning any claim you make on that condition will be denied). Because pre-existing conditions are always excluded, you should get pet insurance as soon as possible for your pet! The longer you wait, the greater the chance your pet experiences a health issue that would be excluded from coverage.