Pets’ Pre-Existing Conditions

two dogs running in a field

The phrase “pre-existing conditions” has been at the forefront of many people’s minds—and news cycles—in recent months. But humans aren’t the only ones who suffer from illnesses like diabetes, cancer, or asthma. As much as we with our fur babies were indestructible, they’re just as vulnerable to health conditions. By working with your vet and doing a bit of research, though, you can care for them throughout any diagnoses, from understanding pet insurers to giving them the best quality of life possible.

What types of pre-existing conditions do pets live with?


At its simplest, a pre-existing condition is a health problem that a person or pet had before their insurance coverage began. Many of these illnesses can occur in humans and animals alike, such as allergies, heart disease, hip dysplasia, epilepsy, or thyroid disease. While the conditions listed here are predominantly chronic issues, a pre-existing condition doesn’t have to be chronic. Curable or short-term illnesses such as urinary tract infections or gastrointestinal problems can also be considered pre-existing conditions, assuming they existed before a pet insurance policy came into effect.

How do I find pet insurers that will cover my pet?


Humans often worry about exclusions in their insurance policy due to a chronic or pre-existing condition, so it’s no surprise that pet parents have the same worry when it comes to their furry family member’s policy terms. Even if your pet has a pre-existing condition, though, pet insurance can be a worthwhile investment. At its simplest, a pet insurance policy provides peace of mind that you can provide your pet with vet trips, medication, and other health services they need. Before committing to a particular insurance policy, spend some time comparing pet insurance plans and providers to find the option that makes the most sense for you and your pet.

Even if a pre-existing condition isn’t covered, the best pet insurer for you and your fur baby will make sure you have coverage in other places where it counts, including preventive measures, like vaccines and screenings, and acute illnesses. Consider factors like the deductible, any discounts, refunds, or reimbursements, and what veterinarians, vet bills, and health services are covered, as well as the monthly cost, customer service, and other factors to find the best plan for your pet’s unique needs—and, of course, your bank account.

Can I help my pet feel better in other ways?


Chances are, your pet doesn’t get much joy from a visit to the veterinarian, nor from any health issues, they’re dealing with. But that doesn’t mean they can’t be a happy puppy, kitty, or another animal along the way! If nothing makes your pup more excited than the jingle of their leash, pick up a new harness from and treat her to a walk through your neighborhood or a trip to the park to see her local furry friends. Does your cat love to stare out the window and watch the world pass by from a warm patch of sunshine? Get him a cozy blanket to curl up in or a special perch to attach to the window. If there’s one thing that pet owners are good at, it’s spoiling their pets—use that special talent and take care of their happiness alongside their health.

Whether you have a small or large dog, a fluffy or hairless cat, or another sort of pet entirely, your fur baby (or not so furry baby) is a part of your family. By finding the best, most comprehensive coverage for your pet and their needs, you can ensure your lizard, bird, cat, or dog’s comfort with preventive care and other veterinary treatments. And, even if you’re top pick can’t promise your pet a happy life, there’s good news—you’re ready to love them and keep them happy throughout their lives.