13 Best Pet Insurance That Covers PreExisting Conditions in 2023

Just like humans, “insuring” your pet’s health helps lessen the cost of expensive veterinary bills. Finding a pet insurance company that covers preexisting conditions is a herculean task.

The essence of pet health insurance will be defeated if your pet has a preexisting condition. Especially, when it is life-threatening. However, this article explains in detail the possibilities of finding pet insurance that covers preexisting conditions.

Also, it x-rays all the possibilities and answers all questions pertaining to finding such a pet insurance policy. The table of content below highlights all the essential subtopics in this article.

Table of contents

Why Pet Insurance?

Generally, the aim of insurance is to reduce financial uncertainty and make accidental loss manageable.

Pet insurance minimises the overall cost of veterinary expenses. If you have pet insurance, it reduces your getting financially handicapped if the unexpected happens.

If you have the right plan, pet insurance is worth it. You can not predict when or how your pets will get sick and how much their treatment will cost.

This makes pet insurance important. It saves pet owners from taking on lasting debt or forgoing veterinary care.

What is Defined as a Pre-existing Condition?

Your pet’s medical record determines a pre-existing condition. A preexisting condition is defined as any signs or diagnoses of an illness that shows up before your policy waiting period.

Pre-existing conditions can also refer to any conditions that have not been diagnosed or treated yet. Trupanion defines a pre-existing condition as any injury or illness your pet shows symptoms of before coverage begins.

Can You Lie about Pre-existing Conditions for Pet Insurance?

Pre-existing conditions do not stop you from getting insurance coverage. However, they may influence your coverage options.

So, you can still insure a pet with medical conditions. There is no need to lie about it. Find a specialist insurer if you need coverage that covers any medical condition your pet has.

Lying about preexisting conditions for pet insurance is a pet insurance fraud. The penalties of a conviction depend on the amount at hand. If the amount is small, this pet insurance fraud is considered a misdemeanour. However, it is a felony when large amounts are involved.

Do Any Pet Insurances Cover Pre-existing Conditions?

Although a pre-existing condition won’t stop you from obtaining pet insurance coverage, no pet insurance company covers pre-existing conditions.

Depending on your pet’s pre-existing condition, you may choose from coverage options available for that condition.

Mostly, pets with pre-existing conditions get insurance options from specialist insurers for that particular condition. Most standard pet insurance does not cover any pre-existing medical conditions.

Pre-existing Conditions should not stop pet owners from considering coverage.

Read Also: Best Pet Insurance that covers Spaying in 2023 | Full Review

Can You Get Pet Insurance if Your Dog is Already Sick?

Yes, you can get pet insurance even if your dog has a pre-existing condition. However, the costs of treating that particular issue can not be covered by your new plan.

You can expect coverage for future illnesses and injuries. So, you can get pet insurance that covers conditions not related to the pre-existing condition.

Does Tesco Pet Insurance Cover Pre-existing Conditions?

No, Tesco pet insurance does not cover pre-existing conditions. Tesco bank pet insurance policy booklet makes this clear.

It does not cover health issues, concerns, illnesses and injuries that you or your vet were aware of before taking out the policy.

However, there are good pet insurance companies that offer insurance for specific medical conditions.

How Do Insurance Know About Pre-existing Conditions?

With your permission, pet insurers can snoop through old records. Basically, they are in search of things they can use against you.

If they find any pre-existing condition, they can deny your claims on such grounds. Also, some insurance will consider your pet’s medical history in its entirety.

How Much Does Pet Insurance Cost?

Pet insurance varies greatly and it’s quite dependent on a number of factors. Average pet insurance monthly premiums can range as low as $10. It can also be as high as $100.

However, most pet owners pay between $30 to $50 per month. This usually covers for decent coverage. Specifically, dog pet insurance costs between $25 to $70 per month.

On the other hand, insuring a cat cost between $10 to $40 for decent coverage.

Read Also: 10 Worst Long Term Care Insurance Companies in 2023

9 Best Pet Insurance that Covers Pre-existing Condition

Pet insurance that covers pre-existing conditions is offered by specialists. While most standard pet insurance companies do not cover a pre-existing conditions, these insurance companies below do.

Basically, they offer policy plans that cover specific medical conditions in pets. In selecting the best pet insurance for pre-existing conditions, we will x-ray each insurance plan, its cost alongside its terms and conditions.

#9. 24 Pet Watch

24 Pet watch offers a pet insurance policy that covers pre-existing conditions. This is only possible if the pet has not shown symptoms after 24 months.

It is one of the best because it offers a high annual limit and pre-existing conditions are re-considered after 24 months symptom-free.

Also, coverage includes trip cancellation and boarding. And, you can visit any licensed veterinarian. Its notable cons include its expensive premiums and age limits for dogs and cats.

The starting price for a pet insurance policy from 24 Pet watches is $340 per year.

#8. Trupanion Policy

Trupanion is underwritten by the American Pet Insurance company. It offers a policy that covers pre-existing conditions.

This insurance policy is one simple plan that gives 90% coverage. Pet owners who adopt the Trupanion policy gets comprehensive coverage without anxiety.

The coverage is designed to ease financial commitment in a time of worry.

Other unique incentives that come with this package include no payout limits and direct payments. There is no exact amount for pet insurance. To get a quote, you need to visit the official website. Afterwards, input the details of your pet.

Based on the information you provide, a quotation is sent to. However, dog insurance cost at Trupanion is $38.89 per month for a $1, 000 deductible. A one-year-old female mixed-breed dog weighing between 50 and 90 pounds may cost $155.34 per month for a $0 deductible.

Enrol for this coverage now.

#7. Pets Assure

Pet assure is a great option for pets with pre-existing conditions. Although it is not a pet insurance company, it has a great offer for pets with pre-existing conditions.

Pet Assure is a veterinary discount plan that offers you discounts on vet care for your pets. It is simple, efficient, and all-inclusive.

Interestingly, you do not need to submit past vet records nor do you need to prove your pet is healthy. Pet Assure accepts all types of pets including dogs, cats, birds, horses etc.

To get pricing for your pets insurance, click the button below.

#6. Pet Plan

Pet plan approaches pre-existing conditions uniquely. Basically, they ask about any pre-existing condition once your application comes in. From your application, they decide outright;y if they will insure your pet or not.

It insures over 1.3 million dogs, cats, rabbits, and horses.

With a pet plan, pet owners looking forward to insuring their pets with a pre-existing condition can get one of three replies below.

  • Get cover for pre-existing condition if it happens again
  • Policy can’t cover pre-existing condition but may sometime in future
  • Policy can’t cover Pre-existing condition

#5. Lemonade

Lemonade prides itself on being America’s most loved homeowners insurance. It offers a zero-hassle, great prices pet insurance policy. Interestingly, it is trusted by your lender.

It offers insurance for pets with pre-existing conditions. However, there are specific terms and condition and pricing is based on each case. To know how much this pet insurance policy costs, click the button below to get an insurance quote.

#4. ASPCA Pet Insurance Coverage

ASPCA offers a complete coverage plan which oversees pre-existing conditions. This plan covers exam fees, treatment, hereditary conditions and behavioural issues.

Basically, pet owners may choose to get reimbursed for 70%, 80%, or 90% of their covered bill. They can also choose deductible of $100, $250, or $500. Benefits limits for this coverage will include  $3,000, $5,000, $7,000, $10,000, $15,000, $20,000, or unlimited.

#3. Spot Pet Insurance

With a score of 91 out of 100, spot pet insurance is one of the best pet insurance that covers pre-existing conditions.

According to “this old house”, Spot has amazing customer service, plan options, overall coverage and is quite affordable. Its pet insurance policy has 70%, 80%, and 90% reimbursement packages.

And, a maximum annual coverage of $2,500, $4,000, $5,000, $7,000, $10,000, Unlimited. Annual deductible of $100, $250, $500, $750, $1,000 also exists. Its pet insurance policy covers for chronic issues.

This policy states that if your pet has a pre-existing condition that is curable, you will be eligible for preventive pet coverage options.

However, the pre-existing condition of your pet must have been treated and has been symptom free and treatment free for 180 days. Click the button below to get free quote.

#2. Embrace Pet Insurance

Embrace offers pet insurance for pets with pre-existing conditions. However, the coverage options are determined by the severity and if the condition is curable.

In fact, Embrace is one of the few companies that distinguish between curable and incurable pre-existing conditions. The policy allows for great long term coverage.

For curable pre-existing conditions, your pet may get covered if the pet goes 12 months symptoms and treatment free.

Embrace offers $5,000, $8,000, $10,000, $15,000, $30,000 maximum annual coverage. Deductible choices of $200, $300, $500, $750, $1,000 also exist with reimbursement choices of 70% – 90%.

#1. Pets Plan

Pets Best insurance policy is the best for pets with pre-existing conditions. Pets Best offers three general types of plans, accident-only coverage, accident and illness, and wellness benefits. It offers a $5, 000 or unlimited maximum annual coverage.

Also, it offers deductible choices of $50, $100, $200, $250, $500, $1,000 which makes a great choice for deductibles. Reimbursement choices range from 70% to 90%.

To get pricing and quotation, click the button below.


Pet insurance helps you cut costs. However, for pets with pre-existing conditions finding the best insurance plan can be tactical.

Lying about pre-existing conditions in your pet is considered fraud. And, it is punishable by law. This article answers all pertinent questions as regards pet insurance for pets with pre-existing conditions.



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