Can I Use Pet Insurance for Pre-Existing Conditions?

No—most pet insurance policies do not cover pre-existing conditions, but some may reconsider curable issues after a waiting period.
Source: BestPetPlanGuide.com

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“Pre-existing” includes anything your pet showed symptoms of or was treated for before the policy began. Chronic or lifelong conditions (e.g., arthritis, diabetes) are always excluded. However, some providers allow re-coverage of short-term conditions after a symptom-free period (typically 6–12 months).