Best pet insurance for pre-existing conditions

Best pet insurance for pre-existing conditions

When you bring a new pet to your place, it is an addition of a new family member. Your pets need love and care like your family members. They need health care which results in regular visits to the vet. These veterinary bills can be expensive and you need to have pet insurance.

What is pet insurance?

Pet insurance is a policy bought by pet owners to reduce the cost of veterinary bills. It is similar to health insurance for humans. This policy covers annual visit vet, vaccines and blood checkups. However, things might get different if your pet has a pre-existing condition.

What is a pre-existing condition?

Pre-existing conditions are the conditions or illness that your pet has at the time of taking pet insurance. Most companies provide their lists of pre-existing conditions. If the pet owner knows his pet has these conditions he has to disclose them at the time of taking insurance.

Following are non-curable pre-existing conditions. It might be difficult for you to find a cover for a pet with these conditions.

  • Heart disease
  • Cancer
  • Diabetes
  • Allergies
  • Epilepsy
  • Arthritis
  • Urinary blockages

The following pre-existing conditions are covered by insurers.

  • Respiratory infections
  • Ear infections
  • Urinary tract infections
  • Vomiting, diarrhea, and other gastrointestinal disorders
  • Dermatitis and skin rashes


Best pet insurance for pre-existing conditions

According to the Embrace, “No pet insurance company covers pre-existing conditions, but a pre-existing condition will never prevent you from obtaining pet insurance coverage. Whether your pet’s pre-existing condition is curable or not will determine your coverage options for that condition. Embrace is one of the few companies that distinguish between curable and incurable pre-existing conditions, allowing for the greatest long-term coverage.”

From our research, we found out PET assure is the best option to consider if your pet has pre-existing conditions.

Pet Assure

Pet Assure is a veterinary discount plan. It is not an insurance plan, therefore, it doesn’t require you to file a claim. It was founded because insurance companies denied the claims of pet owners with pets who had some inherent diseases. Everything gets covered under this plan. Pet assure doesn’t exclude any pre-existing condition. You only have to show your card to the vet and you get a 25% discount. However, you need to make sure your vet is the participating member of pet assure program. It covers all animals and pet including dogs, cats, rabbits or birds. There is no deductible and you are given immediate treatment.


Pet insurance plans don’t cover non-curable pre-existing conditions. Some companies who cover these conditions offer expensive plans. So we conclude Pet Assure is the ideal solution. The best thing about Pet Assure is that there are no medical exclusions and you get a discount on each treatment. So without thinking twice, you can avail this discount plan if your pet has a pre-existing condition.

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