Can you get pet insurance after your pet gets sick?
Summary
Pet owners can often buy insurance after an illness, but insurers generally exclude conditions that began before coverage starts or during a waiting period. A new policy may still cover unrelated future illnesses and injuries, and some insurers may cover certain resolved conditions after a symptom- and treatment-free period.Key Facts
- Most pet insurers exclude pre-existing conditions from coverage.
- Insurers may treat symptoms, veterinary advice, or treatment as evidence of a pre-existing condition, even without a formal diagnosis.
- A policy may cover eligible future conditions unrelated to the pet’s existing illness, subject to its terms and waiting periods.
- Some insurers may reconsider certain resolved conditions after a period without symptoms or treatment.
- ASPCA Pet Health Insurance says certain curable conditions may qualify after 180 symptom- and treatment-free days, with exceptions for knee and ligament conditions.
- Embrace says certain temporary conditions may qualify after 12 consecutive symptom- and treatment-free months.
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